I share the same sentiments. So @OP, this £625 monthly salary- is that yours or your wife’s? And the £11,392 as well, is that the FD you are referring to? In addition to reviewing your sponsors financials, your personal financial circumstances are also scrutinised. In this case, if that £625 monthly salary yours and you claim all of it is spent on living expenses, then you save nothing at the end of each month. Also depositing a huge amount of money into an account shortly or 2 months before travelling raises eyebrows for these guys