thanks terpe for answering my question, yes, you are correct, we will be applying for a spousal visa.

about the overdrawn bank account, i have never overdrawn from my bank account and always make sure there is at least £500, and when i do need to spend more, ie mortgage, other bills and food, i just withdraw from my broker and deposit that money into my bank account before i spend on anything...

but if it would help with the application, my wife is willing to wait 6 more months so i can deposit £500 every month from my broker account to my bank account just in case the ECO doesn't recognise my broker account as proof that i can support my wife and provide for her without resulting to public funds...

do you think that would help? what will happen is, i will show 6 months bank statements of £500 coming in every month, which should satisfy the £106 disposable income right? i will also show my premium bonds savings and also my broker statements, do you think that would be enough proof to show the ECO that i can support my wife when she does arrive here in the UK?

thanks again for all the help