Given the timeline of up to 4 weeks of processing and the waiting 28 day minimum, I may as well just apply for the finance/marriage visa so once it is granted I can just stay there and apply for the settlement visa. this was my original plan , but wanted to see about timeline with the visit visa.
I agree the US ceremony is the best way, but it is hard for finance to get away having just started a new job.
While I get that it might be awkward, marrying in the US would save you about £1,000 in visa fees and several months of waiting.
Your fiance would only have to take a few days off at most, since you can get married in the US within 1-2 days of arriving. You could even do it in a long weekend if you had to.
A comparison of the options:
Fiance visa- apply for fiance visa, currently £1,464 but visa fees will rise in April (plus £551 for priority processing if you purchase it)
- move to the UK
- you cannot work, study, or use the NHS during the fiance visa, so you would need to take out private health insurance for the 6 months
- get married (minimum 28 days waiting, maximum 77 days)
- apply for FLR(M) visa, currently £993 plus £500 NHS surcharge... which can take up to 8 weeks if you apply by post, or it's a same-day decision for an in-person appointment which costs £590 - but all fees will rise in April
- when you finally get the FLR(M), you can work, study and use the NHS
Total visa fees = between £2,957 and £4,098... but this may be much higher after the fee increases
Total time after moving to the UK before you can work and use the NHS for 'free' = anywhere from about 2-8 months
Spousal visa- get married in the US
- apply for spousal visa, currently £1,464 plus £600 NHS surcharge, but visa fees will rise in April (plus £551 for priority processing if you purchase it)
- move to the UK
- you can work, study, and use the NHS immediately
Total visa fees = between £2,064 and £2,615... this may be much higher after the fee increases
Plus cost of flight to US for your fiance
Total time after moving to the UK before you can work and use the NHS for 'free' = immediately upon arrival
Marriage Visitor Visa (MVV)- apply for MVV visa, currently £87 but visa fees will rise in April (plus £184 for priority processing if you purchase it)
- move to the UK
- you cannot work, study, or use the NHS during the MVV visa, so you would need to take out private health insurance for the 6 months
- get married (minimum 28 days waiting, maximum 77 days)
- return to the US
- apply for spousal visa, currently £1,464 plus £600 NHS surcharge, but visa fees will rise in April (plus £551 for priority processing if you purchase it)
- move to the UK
Total visa fees = between £2,151 and £2,886... but this may be much higher after the fee increases.
Plus extra flights to and from the UK for the MVV
Total time before you can work and use the NHS for 'free' = immediately upon arriving on the spousal visa