£18,600 income, supported by joint-sponsor?

[imagine]

Stewart, keep the ideas coming mate. That's the only way we might hit on a good 'un

Don't forget that UKBA do allow third party/family member gifts. Just as long as the money is under your complete control.

i guess the family member is not allowed to take out a loan for the gift either for this purpose

[Terpe]

i guess the family member is not allowed to take out a loan for the gift either for this purpose

Why not?
If you are gifted money and it's really yours and it's really under your control then it's OK for UKBA rules.

Not sure about the tax implications though. If there are any or not. Been out of that loop for too long now.