Quote Originally Posted by imagine View Post
how would it be if someone who didnt earn the £18,600 annual, perhaps they earn less or are on benefit,

if they were to take out a loan and put in a savings account to cover the ( £16000 ) in savings required instead of the earnings,
Yes Stewart, it's allowed to make up any income shortfall with savings. However it must be from savings above £16000
UKBA say the savings must have been held for a least 6 months prior to application and cannot be borrowed.