Caseworkers will be able to refuse the application if they have evidence that the applicant or partner has deceived them as to the level and/or source of income, has tried to do so, or has withheld relevant information, e.g. that the cash savings relied upon are a loan. Caseworkers will also be able to refuse an application if they are told by the applicant, or establish,that the applicant’s or applicant’s partner’s circumstances have changed materially since the point of application, such that the applicant does not meet the requirements.

http://www.ukba.homeoffice.gov.uk/si...df?view=Binary

cash savings can't be a loan, if you become unemployed or you loose one of your jobs, ovetime etc you could be refused, this is Ryna asked this question in another post, so if it takes them 8 months to process your app and you've just lost your job , they could refuse you a visa