Hi, welcome to UKY!
She has recently gone back to Texas having spend 5 months in the UK this year spread over three trips. We were hoping she could come back mid November but we now think that would put us in breach of the 6 months allowance for US citizens to visit the UK.
In regards to this, the general rule is to spend as much time in the UK as out, and generally no more than 6 months in a 12 month period. However, this is general guidance, and it is possible she could be granted another visit visa upon arrival in November that's good for another 6 months. It's up to the IO at the time, and if s/he believes the rules are being circumvented by using successive visit visas to live in the UK (which is not permitted).
As an example:
Someone visits the UK for 5 months in one go. Spends 1 week in Paris. Enters the UK after 1 week spent outside requesting another visa as a visitor. It would be unlikely this person would be successful as this would be a pattern of using successive visit visas to essentially live in the UK.
Someone visits the UK for 3 months, then spends 3 months back in the US. Returns to the UK for 2 months, then spends 3 months back in the US. Upon a third trip requesting 2 months in the UK, it is more likely (though not certain) that the chances of being granted a visitor visa are higher than in the previous scenario based on the pattern and length of visits to the UK and time spent out of the UK.
Another option is to apply for a visitor visa in advance, so you know there won't be any surprises when she lands and she'll have prior authorization to visit.
Is the US marriage our best option?
We typically recommend marrying in the US as it provides more benefits than going the fiance(e) visa route; however, if you are dead set on marrying in the UK (e.g. venue, relatives, etc), it is certainly feasible. The requirements and process of applying for a UK spouse or fiance(e) visa are almost identical. The paths are as follows:
Fiance(e) visa > FLR(M) > FLR(M) > ILR > UK Citizenship (6 months > 2.5 years > 2.5 years > Indefinite)
- You will be paying for the fiance(e) visa, 2 sets of FLR(M), ILR, and citizenship
- You cannot work or volunteer with a fiance(e) visa - you must wait until FLR(M) has been granted
- You are not entitled to use the NHS with a fiance(e) visa and must have insurance or pay out of pocket for medical expenses - you must wait until FLR(M) has been granted
- Once married in the UK, you CAN remain in the UK to apply for FLR(M)
Spouse visa > FLR(M) > ILR > UK Citizenship (2.5 years > 2.5 years > Indefinite)
- You will be paying for the spouse visa, FLR(M), ILR, and citizenship (one less visa fee than above)
- You pay the health surcharge with spouse and FLR(M) visas, so upon arrival in the UK, you can use the NHS immediately if needed
- With a spouse visa, you can work and/or volunteer in the UK immediately
- You will need to factor in the cost of travel for you to go to the US to marry
Marriage visitor visa > Visit and marry in the UK > Return to US > Apply for spouse visa in the US
- Same benefits as above
If you are keen to have her visit in the future and like the idea of a UK wedding (but not the disadvantages of the fiance(e) visa), you could look into a UK marriage visitor visa. It allows a visitor to enter the UK and marry, but she MUST leave the UK after her visit and cannot make further applications from within the UK to remain. If she wants to return to the UK to live, she would need to apply for a spouse visa from the US.
After we get married (assuming it is the best option) how long before she can come over here?
Unfortunately at the moment due to the pandemic, visa processing time is anyone's guess. After marriage, you would apply for the visa and she could move over once the visa is granted.
What kind of finance am I going to need to facilitate the above?
To meet the financial requirements, you would need to be earning a minimum of £18,600/year or have significant cash savings (£62,500 untouched for 6 months) if not employed at all (assuming it's just your partner you are sponsoring to move over - the threshold increases if dependent children are moving as well). There are many ways of meeting the requirements, and the documents you need to provide will differ based on how you are meeting them (e.g. salaried employment, non-salaried, self-employed, cash savings, combining employment and savings, etc.).
Finally does any think the UK travel ban the US is going to be lifted any time soon!
Gosh, I wish I could say. How long is a piece of string? With infections on the rise and second waves... who knows...