some personal questions, you mention pensions - how old are you ? and you say you have money - what more than say £10k ?
really I would advise what previous posters have said, but if you have alot of cash it could be worth taking the risk of applying from the phils, and stating you have the funds when you both arrive in the uk to rent or( buy your own place) this is risky but some people have managed it. but i wouldn't do it unless you have a lot of cash
or is it possible a family member could sponsor your accommodation, that might be worth a risk
but its probably better if you come alone to the uk and get everything ready here.
