Cashmadam:
[b]-

Thank you so much for your response. What would you advise I state as our individual budget for the trip?. I was just stylishly picking an agent’s brain and he said a minimum of 8m is required. please what are your thoughts?

Thank you for the assistance

Please I’ll appreciate any help I can get;

We want to go on a family vacation in July-August but these are my challenges;

1) I earn somewhere around 6m annually after tax but I do not keep funds in my salary account. I transfer to my PiggyVest app, save a portion and fund my account on need be basis. I have approximately 5m in PiggyVest locked savings and a domiciliary account with about $1,100;
2) My husband is employed but his salary is not up to a 100k and they owe him sometimes for months so the inflow is not regular. He has two side businesses; one registered and the other is more of consulting. He also has land;
3) I’ve been to the Uk before (2014) for study and didn’t violate any immigration laws, we travelled as a family last year to Kenya for holidays. I’ve also been to Dubai a couple of times. The Kenya trip was my husband’s first international trip.

4) we both have family in the UK

We have one infant, less than 2years old

So my question is;

1) given my challenges, what are the chances of us getting an approval? If it’s possible how do we structure our application ?
3) Does a lump some transfer from me to me raise red flags?
2) can we do the application ourselves or do we just use an agent