More Questions re: Spousal Visa application

So I have a couple more questions that I hope someone will be able to help me with.

My husband is a UK Citizen, I'm a US citizen, and I think I am applying for a settlement visa (spousal). My husband went back to the UK 4 months ago to try to get a home and stuff set up for us.
Questions:

1)Regarding VFS Global - I'm looking under settlement visa options and am I correct in seeing only 2 options?
Those being either "Premium Settlement Package" which is $2,200 or "Standard Settlement Package" which is $1,320.

Considering the price difference, is there an actual difference in how long it takes for the visa application to be processed? OR anything else?
It doesn't seem like there's enough of a difference to rate the $880 difference?
Also, there was a section under premium services that was listed as: "Priority Visa for settlement or migration service" which is an additional $764 USD.

It reads like it simply speeds up the process (without?) the extra hoo-has of the "Premium Settlement Package" Do I have that correct?

This is the link for reference: https://visa.vfsglobal.com/usa/en/gbr/priority-visa-for-settlement


2) Financial Requirements:So I know that it states that "partner with no children or no children who are subject to the income requirement – £18,600"
(Mine is coming from the savings from having sold our house here in the US)
But I'm unclear on how many years worth (£18,600x?) of savings/financial support has to be available to be considered for the application/visa?

3) Proof of Accommodation

I thought I read somewhere as well that I need to show proof of where I'll be living/ or accommodation of some kind? I don't have anything but my husband does have copies of his council tax bill -- is it possible that would be acceptable?
I'm sorry if these all seem like no-brainer questions but I want to make certain I'm on the right track with this before I go to the UKGov website and start!

So I have a couple more questions that I hope someone will be able to help me with.

My husband is a UK Citizen, I'm a US citizen, and I think I am applying for a settlement visa (spousal). My husband went back to the UK 4 months ago to try to get a home and stuff set up for us.
Questions:

1)Regarding VFS Global - I'm looking under settlement visa options and am I correct in seeing only 2 options?
Those being either "Premium Settlement Package" which is $2,200 or "Standard Settlement Package" which is $1,320.

Considering the price difference, is there an actual difference in how long it takes for the visa application to be processed? OR anything else?
It doesn't seem like there's enough of a difference to rate the $880 difference?
Also, there was a section under premium services that was listed as: "Priority Visa for settlement or migration service" which is an additional $764 USD.

It reads like it simply speeds up the process (without?) the extra hoo-has of the "Premium Settlement Package" Do I have that correct?

This is the link for reference: https://visa.vfsglobal.com/usa/en/gbr/priority-visa-for-settlement


2) Financial Requirements:So I know that it states that "partner with no children or no children who are subject to the income requirement – £18,600"
(Mine is coming from the savings from having sold our house here in the US)
But I'm unclear on how many years worth (£18,600x?) of savings/financial support has to be available to be considered for the application/visa?

3) Proof of Accommodation

I thought I read somewhere as well that I need to show proof of where I'll be living/ or accommodation of some kind? I don't have anything but my husband does have copies of his council tax bill -- is it possible that would be acceptable?
I'm sorry if these all seem like no-brainer questions but I want to make certain I'm on the right track with this before I go to the UKGov website and start!

Yes, you're looking at the settlement options.

It's £62,500. (18.6k x 2.5) + 16k You need to have had the money in an accessible account for 6 full months. If that's not the case, you need to include all the proof of sale documents with your application as they permit the time you owned the property to count against the 6 month period in that case. The money must be held in only your name, your husband's name or jointly.

You need, if renting, a copy of the lease and a letter from the landlord giving you permission  to live there once your visa is granted..

 Financial requirement. https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1039148/1.7_-_Financial_requirement.pdf

Specified evidence https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-fm-se-family-members-specified-evidence

Thank you for the clarification! 

 

You need, if renting, a copy of the lease and a letter from the landlord giving you permission  to live there once your visa is granted..

My husband owns the house (mortgage is paid off) -- what do I need for that/proof of accommodation ?

Thank you for the clarification! 

 My husband owns the house (mortgage is paid off) -- what do I need for that/proof of accommodation ?

Title deeds and a council tax bill.

Title deeds and a council tax bill.

You can get a copy of the registered title here, for a fee of £3

https://search-property-information.service.gov.uk/?_ga=2.227252893.1011285419.1624257816-2123334908.1623227908

Title deeds and a council tax bill.

Perfect! I have those
     .
 

You can get a copy of the registered title here, for a fee of £3

https://search-property-information.service.gov.uk/?_ga=2.227252893.1011285419.1624257816-2123334908.1623227908

Thank you! I've got what I need but if I didn't have it to hand that link would have been especially handy!
Do you mind me asking if you went the VFS premium route? (I've got some questions but I can't seem to find any answers to them online...)

Perfect! I have those
     .
 Thank you! I've got what I need but if I didn't have it to hand that link would have been especially handy!
Do you mind me asking if you went the VFS premium route? (I've got some questions but I can't seem to find any answers to them online...)

No we didn't. We just paid for a roundtrip courier service and text messaging updates. We uploaded our own documents to the VFS portal which is very straightforward once you understand how it works. Happy to answer any other questions on our experience.