Okay, great news on the £18,600 from starting from June.
What that means is that there should be two options:
1. You can apply after he has been at over £18,600/year for six months (so December, possibly January).
2. You can apply as soon as he has made over £18,600 (gross) in the past 12 months. So if his raise is enough to push him over £18,600 for the year after that very first paycheck in June, you can apply this year in June.
Adding to that, if you add in his overtime to his earnings over the last 6 or 12 months, does that get you over the threshold? If so, you can apply now.
I don't want my tone to be misinterpreted. It's the middle of the night and I imagine both of us aren't asleep for very valid reasons (I'm heavily pregnant, hormonal, and deep in the throws of quarter end for work, so figured I'd try to knock a few hours of work out in the middle of the night considering this kid doesn't want me to sleep).
But the overstay IS going to seriously and negatively impact your application. You cannot do this application yourself. You WILL need to hire a solicitor to apply on your behalf. I'd recommend using Medivisas (specifically Victoria Sharkey) based out of London or Laura Devine (she has offices located in both London and New York). Unfortunately a reputable solicitor is not going to be without a large bill. But they will be able to get you legalised and on the 10 year path to settlement. After that first visa approval, you *should* be okay to submit the three future applications without a solicitor.
This is the list of public funds that you are not allowed to claim, however, all of that goes out the window a bit when you are applying outside of the rules (which unfortunately is your current circumstance). Your husband can claim any and all of these - he just can't claim *more* because of you.
https://www.gov.uk/government/publications/public-funds--2/public-fundsAnother consideration is use of the NHS. If you use the NHS, please be sure to request a bill and pay it. An outstanding NHS bill of £500 leads to an automatic visa refusal.
You CAN do this. It's going to be expensive and time consuming, but you can do this. Your a mom, you can do anything.
