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Ruleset 2026.10 · Guidance reviewed 2026-10-01

How the Visa Readiness Score works

The score comes from fixed, published rules, never from an AI guess. The same answers always give the same result, and every finding shows where it comes from.

Three types of checks

  • Official requirement: based on publicly available UK Visitor Visa rules or guidance.
  • Consistency check: checks whether your answers conflict with each other.
  • Readiness indicator: an internal heuristic used to identify areas worth reviewing. These are not UKVI thresholds.

Category weights

Each category starts at 100 and is reduced by the findings it contains. The overall score is the weighted average.

Category weights
CategoryWeight
Purpose & Trip20%
Financial Preparedness20%
Return Circumstances20%
Funding10%
Travel History10%
Consistency15%
Completeness5%

Weighting alone could hide one serious issue inside an otherwise strong profile, so an important finding limits the overall score to 69, and two or more limit it to 49. Your report shows when this applies.

Readiness bands

Readiness bands
BandScore
Strongly Prepared85–100
Generally Prepared70–84
Areas to Review50–69
Significant Gaps30–49
Major Information Gaps0–29

Why we ask these questions

The Visitor rules focus on whether someone is a genuine visitor: that they intend to leave at the end of the visit, will only do permitted activities, and have enough money for the trip. Our questions map to those themes. We ask for approximate figures only, and never for passport numbers, bank details or documents.

Every rule

  1. 01
    ImportantOfficial requirement

    Your planned activities may include work for a UK organisation.

    Published Standard Visitor guidance says visitors cannot do paid or unpaid work for a UK company or as a self-employed person.

    Purpose & Trip · -40 points

  2. 02
    ReviewConsistency check

    Business meetings are planned alongside another main purpose.

    A visit can include meetings. Your answers combine two purposes, so the main purpose needs clarifying rather than being judged automatically.

    Purpose & Trip · -8 points

  3. 03
    ImportantConsistency check

    Your departure date is before your arrival date.

    The travel dates you entered do not form a valid trip.

    Consistency · -30 points

  4. 04
    ImportantOfficial requirement

    Your planned stay is longer than 6 months.

    Published guidance says Standard Visitors can usually stay for up to 6 months.

    Purpose & Trip · -40 points

  5. 05
    ReviewReadiness indicator

    You have not yet decided where you will stay.

    Your trip plan does not yet include accommodation details.

    Purpose & Trip · -8 points

  6. 06
    ReviewConsistency check

    Your planned trip is longer than the approved leave you entered.

    The trip length and the leave approved by your employer do not match.

    Consistency · -25 points

  7. 07
    ReviewReadiness indicator

    You have not entered approved leave for this trip.

    You said you are employed, but no approved leave was entered.

    Return Circumstances · -6 points

  8. 08
    ReviewConsistency check

    You live in a country other than your nationality, with no residence permit recorded.

    Your status in the country where you live is part of your application. This check does not decide whether your residence is lawful.

    Return Circumstances · -12 points

  9. 09
    ReviewConsistency check

    Your residence permit expires before your planned departure.

    The permit end date and your travel dates do not line up.

    Return Circumstances · -15 points

  10. 10
    ImportantConsistency check

    Your reported trip cost is higher than the funds you reported.

    The information you entered suggests a funding gap.

    Financial Preparedness · -45 points

  11. 11
    ReviewReadiness indicator

    The trip cost represents a relatively large portion of the funds you reported.

    This is an internal readiness indicator, not a UKVI threshold. UKVI does not publish a minimum balance for visitors.

    Financial Preparedness · -15 points

  12. 12
    For informationReadiness indicator

    The trip cost is more than three months of the income you reported.

    This is an internal readiness indicator used to highlight how the trip fits your reported finances.

    Financial Preparedness · -6 points

  13. 13
    ReviewReadiness indicator

    You plan to pay for the trip yourself and reported no regular income.

    Your funding information relies entirely on existing funds.

    Financial Preparedness · -20 points

  14. 14
    ReviewConsistency check

    Your monthly expenses are higher than your monthly income.

    Regular costs above income make the source of the trip funds harder to follow, so the funding story needs a clear explanation.

    Financial Preparedness · -20 points

  15. 15
    ReviewReadiness indicator

    You have recent large deposits that you cannot yet explain.

    Unexplained deposits are a common theme in public refusal reports we reviewed. This is not an official requirement, and a deposit is not a problem on its own.

    Financial Preparedness · -20 points

  16. 16
    ReviewReadiness indicator

    Some of the money for the trip may be borrowed.

    Borrowed money is different from money you have saved, so it is worth describing separately.

    Financial Preparedness · -15 points

  17. 17
    ReviewConsistency check

    Another person will pay for your trip, but their relationship to you has not been entered.

    Information about who is funding the trip is incomplete.

    Funding · -20 points

  18. 18
    ReviewConsistency check

    Information about the finances of the person paying has not been entered.

    You said someone else will pay for some or all of the trip.

    Funding · -15 points

  19. 19
    ReviewConsistency check

    The amount the person paying will contribute is higher than the trip cost.

    A contribution larger than the whole trip suggests the amounts overlap or were entered by mistake.

    Funding · -10 points

  20. 20
    For informationReadiness indicator

    You started your current job less than 6 months ago.

    This is an internal readiness indicator. A recent job change is common and not a problem on its own.

    Return Circumstances · -8 points

  21. 21
    ReviewReadiness indicator

    Your answers do not describe any ties to your home country.

    The Visitor rules require applicants to intend to leave the UK at the end of their visit. Your answers do not yet show what you will return to.

    Return Circumstances · -25 points

  22. 22
    ReviewConsistency check

    Your visit purpose is business, but you said you are not currently working.

    Your stated purpose and your employment information appear to point in different directions.

    Consistency · -15 points

  23. 23
    ReviewConsistency check

    You listed a job as a home commitment, but you said you are not currently working.

    Your job is not counted as a reason to return, because your employment answer says you are not working.

    Consistency · -10 points

  24. 24
    ReviewConsistency check

    You entered a monthly income, but you said you are not currently working.

    Income that is not from work, such as savings interest or benefits, is possible, but its source should be clear.

    Consistency · -15 points

  25. 25
    ReviewConsistency check

    You said you are a student but are not currently enrolled.

    Your employment status and study answers appear inconsistent.

    Return Circumstances · -12 points

  26. 26
    ImportantOfficial requirement

    You reported a previous visa refusal.

    Previous immigration decisions can materially affect an application, and this tool cannot assess them in detail.

    Travel History · -30 points

  27. 27
    ReviewReadiness indicator

    You have not described anything that has changed since your last refusal.

    A new application after a refusal is read alongside the earlier decision. In public refusal reports we reviewed, the same concerns often came up again.

    Travel History · -15 points

  28. 28
    ImportantConsistency check

    You have not declared every previous refusal.

    Previous refusals are relevant to visa applications, and this tool cannot judge how they should be declared.

    Travel History · -35 points

  29. 29
    ImportantOfficial requirement

    You reported a previous overstay or immigration breach.

    Previous breaches of immigration rules are addressed in the official grounds for refusal, and this tool cannot assess them.

    Travel History · -60 points

  30. 30
    For informationReadiness indicator

    You have not reported any previous international travel.

    This is an internal readiness indicator. Many first-time travellers apply successfully; it simply means there is no travel history to draw on.

    Travel History · -10 points

  31. 31
    ReviewReadiness indicator

    Some key information is marked as not available.

    Missing documents are a common theme in public refusal reports we reviewed. This tool does not check documents; it only records that they are not available to you.

    Completeness · -10 points

  32. 32
    For informationReadiness indicator

    Some evidence items need an explanation.

    You marked items as needing an explanation. This shows where your answers need more context; it is not a weakness on its own.

    Completeness · -5 points

Official sources

What the score is not

It is not an approval probability. UKVI does not publish a points system for visitor visas, and we have no access to how individual decisions are made. We do not use past applicants' outcomes to make claims about your chances.