Do not assume they are. Separate preparation charges from funds actually invested and review their treatment. As of September 7, 2026, the capital figures are US$1,050,000 or US$800,000 for qualifying targeted employment area or infrastructure projects. Statutory adjustments begin January 1, 2027; confirm the amount applicable to the filing.
Use a transparent budget
Confirm current government charges, professional scope and the applicable capital requirement. Spending more on evidence collection does not increase qualifying capital automatically.
The professional work behind a source-of-funds file is substantial: an accountant reconstructing several years of company distributions, a lawyer assembling and presenting the chain, valuations for the property securing the loan, and certified translations where needed. A queue stretches spending across years rather than months: passports, police certificates, and medical examinations expire and may need repeating, translations may need updating, and each family member carries their own processing charges at the visa stage. Professional fees cover the source-of-funds documentation, which for a two-income household with savings, pension entitlements and property may span many years of records, and legal representation across a process lasting several years.