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The application

Business trip to London, fully documented

A 44-year-old company director from Colombo applies for a Standard Visitor visa to attend three days of client meetings and a two-day industry conference in London, 12 to 19 October 2026. He submits 22 documents: passport and stamp pages, the client's invitation, a signed statement of work, a paid conference registration, prepaid flights and hotel, twelve months of bank statements and payroll advices, company accounts, property and mortgage papers, and school letters for his two children.

Fictional case. Written to match the depth and wording of a real SaviCheck review, but every name, document number, bank, employer and address is invented.

Case file · Ref SAMPLE-APPROVE-01

Likely Approval

Arjuna Mendis · Standard Visitor visa · reviewed 25 August 2026

High confidence

Based on the documents assessed, an entry clearance officer would likely approve this application as currently prepared.

The bundle was complete and legible enough to assess every requirement directly.

In summary

This bundle meets every requirement assessed and does so with documents rather than assertions. The purpose — three days of contracted client meetings in London followed by a two-day industry conference, from 12 to 19 October 2026 — is a permitted business activity under PA 3, and it is evidenced by the client's letter of invitation on headed paper, a signed statement of work naming the applicant, a paid conference registration and a return flight and hotel booking that agree with each other and with the dates on the form to the day.

The applicant is a 44-year-old director and 40% shareholder of a Colombo software consultancy he co-founded in 2013, married, with two children in school in Colombo and a mortgaged family home in his and his wife's names. The financial position is not close: net monthly income of £1,616.48 against declared outgoings of £635.44 leaves £981.04 of monthly disposable income, and evidenced savings across two accounts stand at £9,418.60 against a fully evidenced trip cost of £2,340.00 — a ratio of 2.4 times monthly disposable income, met from savings with a wide margin and no reliance on any third party.

Travel history is substantial and clean: eight trips in the past ten years including two Schengen visits, Singapore, Japan and Australia, all within conditions, with no refusal by any country. Nothing in the bundle is inconsistent.

The items below are refinements, not defects: none of them is a reason this application would be refused as it stands.

This is document-readiness guidance, not legal advice or a prediction of a visa decision.

Financial position

The figures behind the funds assessment, and how they were arrived at.

Net monthly income£1,616.48
Monthly expenditure£635.44
Monthly disposable income£981.04
Cost of the proposed visit£2,340.00
Visit cost vs monthly disposable income2.4×

Funds counted

£9,418.60

Source is evidenced.

How these figures were reached

Income
net director's remuneration of LKR 725,000.00 per month = £1,616.48 at £1 = 448.505 LKR as at 2026-08-25, evidenced by twelve months of payroll advices from Mendis & Fernando Software (Pvt) Ltd, by matching credits on the 28th of each month to Lakwin Bank current account 2208617734, and by the company's audited accounts for the year to 31 March 2026. Dividend income of LKR 1,800,000.00 declared in the 2025/26 tax return has not been counted as monthly income, since it is irregular; it is noted only as corroboration of the company's trading position.
Expenditure
LKR 285,000.00 per month = £635.44 as declared on the form, comprising a mortgage instalment of LKR 148,000.00 evidenced by the loan schedule, school fees of LKR 62,000.00 evidenced by two term invoices, and household costs, all of which are consistent with the withdrawal pattern on the current account.
Disposable
£1,616.48 − £635.44 = £981.04.
Trip cost
£2,340.00, fully evidenced rather than declared — return fare Colombo–London Heathrow £940.00 (booked and paid 4 August 2026), seven nights' hotel in Paddington £1,015.00 (prepaid, confirmation in the bundle), conference registration £185.00 (paid receipt), and £200.00 of declared incidental spending.
Ratio
£2,340.00 ÷ £981.04 = 2.39.
Funds counted
Lakwin Bank current account £3,142.60 and Lakwin Bank savings account £6,276.00, a total of £9,418.60, both held for more than twelve months with a credit history traceable entirely to salary and dividend payments from the applicant's own company; no deposit in either account is unexplained.
Funds excluded
none. Decision on the evidenced figure: £9,418.60 of evidenced funds plus £981.04 of monthly disposable income against a £2,340.00 trip that is already largely prepaid. The requirement at V 4.2(e) is met with a substantial margin, and no third party is relied upon.

£1 = 448.505 LKR as at 2026-08-25

Findings

Each requirement is assessed against the Immigration Rules Appendix V.

Identity and nationality

Met

The bio-data page of Sri Lankan passport N4826173 has been provided in colour and in full, showing MENDIS, Arjuna, male, born 02/02/1982 at Colombo, issued 14/06/2022 and valid to 14/06/2032 — well beyond the proposed departure date of 19 October 2026. The passport number, name and date of birth agree exactly with the application form, the national identity card and its sworn translation, and the client invitation letter. Sri Lanka is listed at VN 1.1(a), so the applicant is a visa national who must obtain entry clearance before travel; he is doing so. Identity and nationality are satisfactorily established.

V 2.3(c)V 1.1
4 documents reviewed
  • passport-bio-data-page.pdf
  • passport-stamp-pages-2016-2026.pdf
  • national-identity-card-with-sworn-translation.pdf
  • visa-application-form.pdf

Suitability

Met

The form declares no criminal convictions, cautions or civil judgments in any country, no visa refusal, refusal of entry, deportation, removal or exclusion, no illegal entry, overstaying or breach of conditions, and no adverse character, extremism or war-crimes matters. The passport stamp pages covering 2016 to 2026 are in the bundle and corroborate the declared travel: each recorded entry has a matching exit within the period permitted. Nothing in the bundle contradicts the declarations. This finding rests in part on the applicant's own declaration and will be verified against Home Office records when the application is decided.

V 3.1
2 documents reviewed
  • visa-application-form.pdf
  • passport-stamp-pages-2016-2026.pdf

Genuine visitor - purpose and permitted activity

Met

The stated purpose has two parts, and both are permitted. First, meetings on 13, 14 and 15 October 2026 at the London office of a long-standing client, to review delivery of an existing contract and negotiate its renewal. Attending meetings and negotiating contracts on behalf of an overseas business fall squarely within PA 3, and the signed statement of work of 2 February 2026 names the applicant as the engagement director, so the relationship is evidenced rather than asserted. Second, attendance at an industry conference on 16 and 17 October 2026, evidenced by a paid delegate registration in the applicant's name. Attending a conference is a permitted activity under PA 3 and involves no course of study, so V 9.1 to V 9.5 are not engaged. The visit runs from 12 to 19 October 2026, eight days, far within the six-month limit at V 4.2(d). The flight reservation, the hotel booking, the invitation letter, the conference registration and the dates on the form all agree, and all fall after the assessment date of 25 August 2026.

V 4.2(c)V 4.4
6 documents reviewed
  • client-invitation-letter.pdf
  • statement-of-work-signed.pdf
  • conference-registration-receipt.pdf
  • return-flight-reservation.pdf
  • hotel-booking-confirmation.pdf
  • visa-application-form.pdf

Prohibited activities

Met

The activities proposed are meetings and conference attendance, not productive work. The client's letter states in terms that the applicant will not undertake any work for or on behalf of the UK entity, will not fill a role within it, and will receive no payment from a UK source; his remuneration continues to be paid by his own company in Colombo throughout, as the payroll advices show. There is no study, no medical treatment and no marriage or civil partnership proposed. The prohibitions at V 4.4 to V 4.6 are not engaged.

V 4.4V 4.5V 4.6
4 documents reviewed
  • client-invitation-letter.pdf
  • statement-of-work-signed.pdf
  • company-payroll-advices-12-months.pdf
  • visa-application-form.pdf

Genuine visitor - ties and intention to leave

Met
Each limb has been graded separately
FAMILY TIESSTRONG
The applicant is married, and the marriage certificate and his wife's identity documents are in the bundle. Two children aged 9 and 13 are in school in Colombo, evidenced by letters from the school confirming enrolment for the 2026/27 academic year and by the term fee invoices. His wife is not travelling and remains in employment in Colombo.
ECONOMIC TIESSTRONG
He is a director and 40% shareholder of a company he co-founded in 2013, which the certificate of incorporation, the annual return listing the shareholding and the audited accounts to 31 March 2026 all evidence. The company employs 31 people, and the accounts show it trading profitably. His income depends entirely on that business continuing to operate from Colombo, and the client relationship the visit is about is one of its principal contracts.
PROPERTYSTRONG
The family home in Battaramulla is held jointly with his wife, subject to a mortgage with 11 years remaining, evidenced by the deed, the loan schedule and the 2026 rates receipt. A mortgaged property with a matching monthly instalment on the bank statement is a documented ongoing commitment.
TRAVEL HISTORYSTRONG
Eight trips outside Sri Lanka in the past ten years — two Schengen visits (2018 and 2023), Singapore three times, Japan, Australia and India — every one of them evidenced by stamps in the passport pages provided, and every entry matched by an exit within the period permitted. No refusal of a visa or of entry by any country is recorded or apparent. A visitor who has repeatedly been admitted to comparable jurisdictions and has returned each time is the clearest evidence available of an intention to leave.
UK PULL FACTORSNEUTRAL
The form records no family or dependants in the UK, and the statement of purpose discloses none.
CREDIBILITYSOUND
Every material assertion in the form is supported by a document, the figures on the form match the figures in the statements, and there is no inconsistency anywhere in the bundle.
BALANCE
All limbs are strong or neutral, none is weak, and the purpose evidence is independent. I am satisfied that the applicant is a genuine visitor who will leave the UK at the end of the visit.
V 4.2(a)V 4.2(b)
8 documents reviewed
  • visa-application-form.pdf
  • statement-of-purpose.docx
  • marriage-certificate.pdf
  • school-enrolment-letters-2026-27.pdf
  • certificate-of-incorporation-and-annual-return.pdf
  • audited-accounts-year-to-31-mar-2026.pdf
  • property-deed-mortgage-schedule-rates-receipt.pdf
  • passport-stamp-pages-2016-2026.pdf

Sufficient funds and maintenance

Met

Converting at £1 = 448.505 LKR as at 2026-08-25: net monthly remuneration of LKR 725,000.00 is £1,616.48, evidenced by twelve consecutive payroll advices and by credits of the same amount on the 28th of each month to Lakwin Bank current account 2208617734. Declared monthly outgoings of LKR 285,000.00 are £635.44 and are themselves documented — a mortgage instalment of LKR 148,000.00 appears on the loan schedule and as a standing debit each month, and school fees of LKR 62,000.00 appear on two term invoices — leaving monthly disposable income of £981.04. The cost of the visit is not a declared estimate but an evidenced total of £2,340.00: a return fare of £940.00 booked and paid on 4 August 2026, seven nights' prepaid hotel accommodation at £1,015.00, conference registration of £185.00 paid by card, and £200.00 of incidental spending declared on the form. Approximately £2,140.00 of that has already been paid, so the sum actually needed during the visit is small. Savings across the current account (£3,142.60) and the savings account (£6,276.00) total £9,418.60; both accounts have more than twelve months of history in the bundle and every credit in the period traces to salary or to a declared dividend from the applicant's own company, so nothing has been discounted. The proposed expenditure is 2.39 times monthly disposable income and roughly a quarter of evidenced savings. No third party is relied upon, so V 4.3 is not engaged. I am satisfied that the applicant can meet all reasonable costs of the visit, including the return journey, without working or accessing public funds.

V 4.2(e)
8 documents reviewed
  • lakwin-bank-current-account-12-months.pdf
  • lakwin-bank-savings-account-12-months.pdf
  • company-payroll-advices-12-months.pdf
  • mortgage-loan-schedule.pdf
  • school-fee-invoices.pdf
  • return-flight-reservation.pdf
  • hotel-booking-confirmation.pdf
  • conference-registration-receipt.pdf

Business visitor - permitted activities and restrictions

Met

The activities proposed fall within the permitted business activities at PA 3: attending meetings, negotiating and signing contracts on behalf of an overseas business, and attending a conference. The applicant is employed and paid outside the UK by his own company, the work he does in the UK is for that overseas business and not for any UK entity, and no UK organisation receives his labour. The client letter confirms that no fee, salary or expenses will be paid to him by the UK company beyond nothing at all — he meets his own travel and accommodation costs, as the paid bookings show. There is no intention to establish a UK branch, to take employment, or to provide goods or services directly to the UK public.

V 4.4PA 3
4 documents reviewed
  • client-invitation-letter.pdf
  • statement-of-work-signed.pdf
  • conference-registration-receipt.pdf
  • company-payroll-advices-12-months.pdf

Length and pattern of visits

Met

The proposed visit is eight days, from 12 to 19 October 2026, well within the maximum permitted stay of six months at V 4.2(d). The applicant has made no previous visit to the UK, so no question arises of frequent or successive visits amounting to living in the UK by means of repeated visits, and there is nothing in the pattern of his travel history to suggest that this visit is anything other than what it is stated to be. The return flight is booked and paid for the departure date declared.

V 4.2(d)V 4.2(b)
3 documents reviewed
  • return-flight-reservation.pdf
  • passport-stamp-pages-2016-2026.pdf
  • visa-application-form.pdf

Action items

Address these before submitting your application.

0 must-fix · 2 recommended

RecommendedClient invitation letter

The letter is on headed paper, is signed and gives the dates and purpose of the meetings, which is what matters. It does not, however, give the signatory's job title or direct contact details, so a caseworker who wanted to verify it has no obvious route to.

What to do

Ask the client to reissue the letter with the signatory's full name, job title, direct telephone number and company email address, and the company registration number in the footer. Nothing else about the letter needs to change.

V 4.2(c)
RecommendedStatement of purpose

The statement covers the business purpose thoroughly but says very little about the return: the children's school term, your wife's employment and the mortgage are all evidenced elsewhere in the bundle and none of them is mentioned here.

What to do

Add a short closing paragraph — four or five sentences — drawing together the reasons you are returning on 19 October: the company you run and its 31 employees, the client work continuing in Colombo, your wife's job, the children's term dates, and the mortgage. It costs you nothing and puts your strongest material in front of the caseworker in one place.

V 4.2(a)

3 more action items in the full review

Everything above — the verdict, the reasoning behind every finding and the funds arithmetic — is the complete review. The rest of the fix list is what you get on your own application, together with the improvement report as a PDF.

Review my documents — $10 for 2

Conditions of a valid application

Steps in the gov.uk application process, not findings about your evidence. They were not assessed and do not affect the verdict — but an application that does not meet them is rejected as invalid without being considered (V 2.6).

  • Submit the online application on gov.uk

    The application must be made online on the gov.uk form "Apply for a UK visit visa". This is a step in the gov.uk process — you may already have done it. It was not assessed and has no bearing on the findings above.

    V 2.1
  • Pay the application fee

    The required fee must have been paid for the application to be valid. This is a step in the gov.uk process — you may already have done it. It was not assessed and has no bearing on the findings above.

    V 2.3(a)
  • Enrol your biometrics at a visa application centre

    You must provide your biometrics (fingerprints and photograph) at a visa application centre when required to do so. This happens after you apply online — you may already have an appointment booked. It was not assessed and has no bearing on the findings above.

    V 2.3(b)