Criag, A local travel agent said that at least £5k is needed in the applicant's bank account.

Appeals can take months. My sis-in-law's visit visa was refused in Nov08. The latest letter states that her hearing would be in March 09. However, she got married last week to my scottish friend, which now means that she needs to apply for a spouse visa.

Anyway, in your case, if appeal fails, you need to wait until she is 21 to apply for fiancee or spouse visa. Its a long and painful wait, so get her into a job or course and keep yourself occupied.

Any chance that you can take an extended holiday? e.g. 2 years in the philippines. Its not expensive if you live like a local.

Cheers