Briefing: How to make a change of conditions application and remove the ‘no recourse to public funds’ restriction

This article explains how to make a successful change of conditions application where a person needs to lift the no recourse to public funds restriction (NRPF) from their grant of leave. This article is written for applicants as well as for the lawyers and advisors who may be assisting in more complex cases.

Overview

The NRPF condition can be removed from a grant of leave via a change of conditions application. The application is free to make but can be complex.

The policy has been amended numerous times over the past five years as a result of litigation and the criteria by which people can apply has broadened significantly. It is very important that advisors and Home Office decision-makers alike are open to broad and flexible interpretations of the criteria and are careful not to rely on or think in terms of the previous criteria.

This article assumes that readers already have a basic understanding of the legal basis and framework of the NRPF policy more broadly. If you would like an overview of this, including recent litigation history, we recommend you head first to this Free Movement explainer.

Key guidance

The Home Office guidance has had numerous updates over the past five years which have significantly expanded what was initially a six-page section on ‘Recourse to public funds’ in the ‘Family and Private Life’ guidance back in July 2019.

For the purposes of making a change of conditions application, the most comprehensive guidance at present is ‘Permitting access to public funds’ (currently version 4, published 19 November 2024) and we will mainly be referring to this document.

Advisors and applicants should however also be aware of various other sources of published guidance, notably including within the ‘Family life and exceptional circumstances: caseworker guidance’ and ‘Public funds: caseworker guidance’.

Who can apply for a change of conditions?

For those with leave to remain under Appendix FM: family members, Appendix CNP: Child staying with or joining a Non-Parent Relative (Protection), Appendix Private Life or as a Hong Kong BN(O) visa holder, the ability to have the NRPF condition not applied or lifted is addressed explicitly within the relevant immigration rules.

Those rules are GEN.1.11A for those with leave granted under Appendix FM, CNP.9.2 for Appendix CNP, PL 10.5 for Appendix Private Life and HK 65.1 for BNO visa holders and state that:

• ‘… if the decision maker is satisfied that:
  • (i) the applicant is destitute, as defined in section 95 of the Immigration and Asylum Act 1999, or is at risk of imminent destitution; or
  • (ii) there are reasons relating to the welfare of a relevant child which outweigh the considerations for imposing or maintaining the condition (treating the best interests of a relevant child as a primary consideration), or
  • (iii) the applicant is facing exceptional circumstances affecting their income or expenditure

Then the applicant will not be subject to a condition of no access to public funds or may have the condition lifted (the rules provide only for the latter option in Appendix Hong Kong BN(O)). You only have to meet one of these criteria, which are appropriately broad given the range of reasons why someone might need access to public funds. Below, we delve deeper into what all of these criteria may look like in practice.

For other immigration routes, there is no specific provision in the immigration rules for the NRPF condition to be lifted or not applied. As confirmed by litigation and updated policy guidance, this does not necessarily exclude others, such as students, skilled workers or graduates. 

However, for those who do not have leave to remain in a route where the ability to have the NRPF lifted or not imposed is provided for within the immigration rules, a change of conditions application is likely to be complex and risky. There is more detail about this in Free Movement’s write up of the case and it is important that those affected seek legal advice before making an application.

What does it mean to be ‘destitute’?

It is important to understand that you do not have to be homeless or without income to be considered ‘destitute’. The definition is actually quite broad.

The immigration rules refer to section 95 of the Immigration and Asylum Act 1999. According to section 95(3) of the Immigration and Asylum Act 1999, ‘a person is destitute if—

(a) he does not have adequate accommodation or any means of obtaining it (whether or not his other essential living needs are met); or
(b) he has adequate accommodation or the means of obtaining it, but cannot meet his other essential living needs.’

Note the ‘or’ – you do not have to meet both parts of this definition to be considered ‘destitute’.

In a nutshell, you can be considered destitute if you cannot afford rent/housing costs alongside your other living essentials. This is the case for millions of people in the UK today.

The Home Office provides only very limited guidance about what ‘adequate’ and ‘essential’ could mean. Regulation 8 of The Asylum Support Regulations 2000 may be useful here. The Home Office should consider your reasoning if you explain and evidence why you think that either is true in your case.

Case study

A family of five are living in adequate accommodation, for which they paid a deposit when they were financially better off and for which they are now paying an interest-only mortgage. One parent cares for their three young children full time and the other parent works more than full time as a courier.

Due to working a very significant amount of overtime, they earn around £2,000. The family has some savings which they want to keep for their future indefinite leave to remain applications and for the children’s future, and which are less than the total debt that they owe.

The family are paying off various debts on a monthly basis at the minimum rate, but this still amounts to hundreds of pounds per month. They have a car, as this is required for the courier work, and petrol and vehicle expenses are substantial.

Their monthly expenses, including mortgage payments; other housing costs such as high energy bills; food, travel and school costs; the debt repayments and car costs, amount to over £2,000. The family has adequate accommodation, but cannot afford this alongside meeting their other essential living needs.

They are therefore arguably destitute. There may also be other compelling factors in their case, such as health issues and child welfare concerns (see below).

It is also important to note that accommodation or financial support provided by a local council under section 17 of the Children Act 1989 or the Care Act 2014 does not prevent you from showing that you are destitute. In fact, it should help your case and in some cases evidence of this may suffice to prove your destitution.

What does it mean to be ‘at risk of imminent destitution’?

The guidance implies that ‘imminent’ means in three months’ time but is not prescriptive, so it is possible to imagine and argue cases where the time frame is longer (for example a single parent in early pregnancy).

This can be useful in some cases, but it is often unnecessary to make speculative arguments about the possible future if one of the other criteria apply more straightforwardly. 

Case study

Another family, this time two parents and two children in their early teens. This family is sharing a one bedroom house in London. The rent is relatively cheap as the accommodation is so small, but even so the family can’t afford the rent alongside living essentials and are already five months behind on rent payments. The landlord calls and texts them on a daily basis threatening to kick them out, but has yet to put anything formally into writing.

Both parents are working all available hours in low paid care work jobs, but are unable to continue working to the same extent; one parent is undergoing various medical examinations due to chronic fatigue and the family are currently reliant on their friends to help with childcare and school runs, which cannot continue as the friends are moving away.

The family are already destitute, as they do not have adequate accommodation (it is overcrowded), and they also cannot meet their other essential living needs. This being the case, you do not necessarily need to get into arguments and evidence about whether the parents will reduce hours; whether the unwell parent will get medical documents with a diagnosis; whether the family will be able to provide written eviction documents, etc.

The Home Office can and may well try to pick these things apart and lose sight of the current destitution; be careful and confident to lead them back to this.

The welfare of children

As we have seen above, the immigration rules state that you can apply for access to public funds if “there are reasons relating to the welfare of a relevant child which outweigh the considerations for imposing or maintaining the condition (treating the best interests of a relevant child as a primary consideration)”.

If applicants can show that having recourse to public funds will have a positive (or prevent a negative) impact on a child, then it is difficult to see how the Home Office will be able to lawfully avoid granting recourse.

Until 2022, the Home Office required ‘particularly compelling reasons relating to the welfare of a child of a parent in receipt of a very low income’. This was deemed far too restrictive. There has been subsequent litigation which successfully argued that the guidance and Home Office approach to welfare of children remains unlawful. This remains the case despite subsequent guidance updates. Particularly here therefore, there is scope to apply the criteria as per the immigration rules more broadly than the policy guidance suggests.

Deighton Pierce Glynn, the law firm that brought this and other litigation, produced a briefing note following the litigation on this point in June 2022 which may be of interest. This highlights that the key test when considering a change of conditions application involving a child is still as set out at paragraph 54 of the judgment of June 2022.

Where the application to lift the NRPF condition involves a child, the case law is clear that an examination of that child’s position is necessary. It is here that the significance of paragraph 10 of Zoumbas becomes manifest. The caseworker needs, first, to consider what the effects on the child are likely to be of (here) maintaining the NRPF condition. That will generate an answer to the question of whether maintaining the condition would be in the best interests of the child. Although, as Mr Holborn points out, in the present context the answer to that question is almost always likely to be “yes”, in the sense that it would generally be in the best interests of the child for there to be access, if necessary, to public funds, what the caseworker needs to know is whether and, if so, to what extent, maintaining the condition would affect the welfare of the child.

Case study

A single parent is working full time, and thereby able to afford adequate accommodation and basic living essentials for himself and his young child. However, he has been advised that his child needs significant additional support and equipment both in and after school. They have letters about this from specialists at the school.

The parent has a dilemma: he cannot provide the recommended support whilst also working full time, but he needs to work full time in order to afford rent and basic costs and avoid destitution.

In this case, it is arguable that there are reasons relating to the welfare of a relevant child which outweigh the considerations for imposing or maintaining the condition, regardless of whether the family are currently or imminently destitute.

Applicants must ensure that the impact on the child is fully explained and evidenced as much as possible. If this is not done then applications may be refused and those refusals can be difficult to challenge, as was seen in the case of SAG & Ors v Secretary of State for The Home Department [2024] EWHC 2984 (Admin) (the write up by Free Movement is essential reading for anyone making these applications and Sonia also discussed this at length from 42:30 in this podcast).

What does it mean for someone to be ‘facing exceptional circumstances affecting their income or expenditure’?

This means that an applicant does not need to be destitute, or imminently destitute, or have children in order to successfully apply for access to public funds. This is critically important, and sometimes forgotten.

The guidance states that  ‘A decision on whether there are exceptional circumstances affecting income or expenditure… must be made on a case-by-case basis, taking into account the applicant’s individual circumstances, those of any dependant family members and all the information and evidence the applicant has provided.’

Again, it might be helpful to know that prior to recent litigation, the formulation in the immigration rules was ‘the applicant is facing exceptional financial circumstances relating to a very low income’. As with other criteria outlined above for children, this was judged to be too restrictive.

In many cases, but not exclusively, the ‘exceptional circumstances’ arise in relation to a disability or health condition.

Disabilities, health conditions and ‘exceptional circumstances’

The litigation about ‘exceptional circumstances’ referred to above related to families with disabilities, and the Home Office guidance and its decision-making approach to date focuses on disabilities in its interpretation of what might constitute an ‘exceptional circumstance’. While ‘exceptional circumstances’ do not have to relate to disabilities/health, it is clearly important that the Home Office considers the impact of disabilities and health conditions.

The guidance prompts caseworkers to carefully consider some of the potential impacts of a disability, such as ‘increased expenditure’. Applicants are likely to be able to present several further impacts.

Notably, the guidance states very clearly that in such cases, caseworkers ‘must consider applying evidential flexibility’ (emphasis added). It is easy to imagine cases where medical evidence will be enough to evidence the need for recourse to public funds, rendering bank statements and other financial documents immaterial and unnecessary. The guidance also helpfully clarifies that disability benefits ‘should not generally be regarded as relevant income for the purposes of an income/expenditure assessment of the household’.

Case study

This couple do not have children. One of them has very sadly just been diagnosed with terminal cancer, and the prognosis is short. She was previously the breadwinner but she can no longer work due to her condition, and her British partner has to care for her fulltime.

They have letters from medical professionals and charities such as Macmillan explaining that they need access to public funds in order to access equipment and care in their remaining time together. This equipment and more would be affordable to them through non-means-tested disability benefits, which they could apply for regardless of their income were it not for the NRPF condition.

The couple have evidence to argue that they are facing exceptional circumstances affecting their income or expenditure, and if this is the case, do not need to also prove destitution or imminent destitution.

How do I apply for a change of conditions?

The change of conditions application form

This is a free application. The change of conditions online application form is long (unnecessarily long, we would argue, and have argued) but thankfully many of the questions are straightforward. We advise applicants to take it step-by-step. You can save and return to the form if it is not possible to complete in one sitting.

Many of the questions on the form will be familiar from other immigration applications. You can also download a draft of the form before submission, so that you or others can review it.

There is limited free-text space on the form, so a concise cover letter may be necessary in order to explain transactions on the bank statements provided, and/or in complex cases. This cover letter can be uploaded with the evidence (see below).

The application form is the standard procedure in order to ensure a decision. However, it does not appear to be a legal requirement according to paragraph 34(1) of the immigration rules and the Immigration (Leave to Remain) (Prescribed Form and Processes) Regulations 2007.

What evidence do I need to submit?

There is a suggested list of evidence online but once you have completed the application form you will be given a more tailored list of evidence to submit.

If you cannot submit the required evidence, there is a textbox at the end of the form where you can and should explain this.

The guidance states that ‘evidential flexibility’ should be applied where ‘the additional missing evidence is unnecessary because the other evidence provided is clear and compelling [or] there is a compelling reason why the evidence cannot be provided’. This can be successfully argued in many cases, for example, where somebody is in receipt of section 17 support, or has a severe and terminal medical condition as in the example above.

Bank statements

You will usually be asked to submit bank statements covering six months for every account you have. This includes any of your children’s accounts, savings accounts and any accounts that you do not currently use. The Home Office routinely performs credit checks, will write to applicants and potentially ultimately refuse applications if any bank statements are missing without explanation.

When you provide statements, the transactions usually need to be explained. The gov.uk webpage notes state that statements ‘should include an explanation of any significant/regular transactions’. The guidance does not currently elaborate on this, but the Home Office sometimes does so in correspondence, where they may ask:

Alongside your statements, please provide an explanation for all major incoming and outgoing payments… including where you:

• made a cash withdrawal of over £100
• transferred funds to someone else
• transferred money to another account in your name – please also provide statements for that account
• received funds of over £100 into your account or were paid in cash
• purchased something over £100
• transferred money overseas

This list is not exhaustive. Please provide an explanation for all significant incoming and outgoing payments.

Bank statements and their explanations usually amount to several pages and can be complex to explain. It is always better and possible to explain things fully, clearly and carefully when the application is first submitted rather than to have to provide further explanations or statements after the Home Office have run a credit check and scrutinised the statements. In most cases it will avoid delay and issues arising later on if time is spent on this before submission.

How do I submit the evidence?

You will receive instructions about how to submit evidence when you have completed the online form, but essentially this is done via an online portal, or else could be done via recorded delivery. Evidence must usually be submitted within 10 days of form submission, which allows applicants some additional time to gather documents.

Can change of conditions applications be submitted by non-lawyers?

There are some situations where it is advisable to seek immigration advice before submitting a change of conditions application, some of which are outlined above.

However, you can make a change of conditions application without a lawyer.

Advising on ‘Change of Conditions’ applications constitutes ‘immigration advice’ and is ‘Level 1’ regulated work under the Immigration Advice Authority (formerly OISC) regulatory scheme (see the Guidance on Competence). For this reason, if you are not a registered immigration adviser or exempt from that requirement it is a criminal offence to advise on these applications.

Home Office decision-making

Requests for further information

In our experience the Home Office’s practice is to request further information before refusing an application and caseworkers are advised in the guidance that:

If an applicant has provided minimal or no evidence in their application, and it appears that the applicant has made an error with, or omitted in error, supporting evidence, or further information or verification of evidence is needed to make a decision, you should provide an opportunity for the additional information to be
provided.

The Home Office has been known to request information or evidence that has already been provided, or explained to be unobtainable. In these cases, applicants can refer back to previous submissions.

For more detail on the Home Office’s use of requests for further information, see this report by The Unity Project, with the support of Praxis, RAMFEL, and the Refugee and Migrant Centre, with data analysis and evidence of the issue.

Decision timeframes

There is no service standard for change of conditions applications. Approximate decision time frames can be ascertained through published statistics (within ‘Immigration and protection data’ in the collection ‘Migration transparency data’). There are means to chase up unreasonably long delays, including pre-action protocol (PAP) letters where necessary.

The High Court has held that the lack of a process for expediting urgent applications is unlawful. Until there is published guidance addressing this, anyone requiring an urgent decision should refer to that case and explain, with evidence, why a decision is needed quickly.

If an application is granted

If an application is successful, the applicant will be able to apply for all welfare benefits and housing assistance for the remaining period of their current leave.

Please note, even if you have already had the NRPF condition removed, if you still need recourse to public funds when you apply to extend your leave, you need to make this clear in your renewal application. The guidance makes this clear under the heading ‘Subsequent leave to remain applications’, i.e. “A previous grant of leave without the NRPF condition can be a strong indicator of ongoing need for access to public funds. However, this must not be automatic, and you must be satisfied on each occasion that the criteria are met.”

If an application is refused

If the application is unsuccessful, you may be able to make a new ‘change of conditions’ application. Alternatively, you may be able to ask for a reconsideration of the Home Office’s decision by highlighting a caseworking error or providing additional information. The guidance on reconsiderations states:

Reconsideration of ’no recourse to public funds’ condition code

Applicants granted leave under the 10 year partner, parent or private life routes may also request a reconsideration of the condition code ‘no recourse to public funds’ attached to that leave.

This would apply if an applicant provided information and evidence which relates to the financial circumstances with their application for leave to remain to support a claim that they are destitute or that there are compelling reasons which relate to the welfare of a child of a parent in receipt of a very low income, but the applicant thinks a casework error has been made in assessing this against the policy on when to allow recourse to public funds.

In this circumstance you must consider any additional information which relates to the financial circumstances the applicant has submitted, as well as considering the information submitted with the original application. This allows us to take a full and appropriate decision on whether or not they should be granted recourse to public funds, on the basis of up-to-date evidence.

Where a reconsideration has been unsuccessful or is not an option, it may be possible to challenge the decision via judicial review, which has been a successful approach in numerous cases over the past few years. Judicial reviews must be done promptly, and in any event within three months of the decision under challenge, so it is very important to seek legal advice quickly following a negative decision. 

As we have shown above, the law – if not the policy – instructs the Home Office to allow access to public funds in a huge variety of cases but the NRPF condition is still imposed on almost everyone granted limited leave to remain. This is no doubt why the success rate for change of conditions applications have recently hovered around 60-70%. Based on the above and years of casework experience, a refusal of a change of conditions application is probably challengeable.

Could this negatively impact my current leave to remain?

Many people are concerned that making a change of conditions application will negatively impact their current leave to remain or future immigration applications.

For those on routes where the immigration rules do not provide for the NRPF to be lifted or not imposed, there may be significant risks and so legal advice should be sought before making the application.

It is not unlawful or in breach of the conditions of your leave to remain to make the change of conditions application for recourse to public funds. If the application is successful and you are granted recourse to public funds, it is not unlawful or in breach of the conditions of your leave to remain to claim them.

To qualify for limited or indefinite leave to remain, applicants must meet certain criteria, which are stipulated in the immigration rules.

For those on the ‘10-year route’ on the basis of private and family life, the requirements do not exclude people on the basis that they have claimed public funds. Please note, however, that there are other criteria that you must continue to meet, such as relationship requirements. If you no longer meet the other criteria (for example, if you have leave to remain as a partner but your relationship has broken down), you should therefore seek immigration advice about other immigration routes before making a change of conditions application.

For those on the ‘five-year route’ on the basis of private and family life, the change of conditions application should not have any immediate impact, but if the person is in their first two and a half years of that route then it is likely to become relevant at renewal.

I am on the ‘five year route’ – can I make a change of conditions application?

Yes. Following advocacy and campaigning, the Change of Conditions (CoC) webpage now states:

If you currently have permission to stay under the 5 year partner or parent route and you are granted access to public funds, you will remain on the 5 year route. Your circumstances will be reassessed when you apply for further permission and, to remain on the 5 year route, you will need to meet all requirements of the relevant rules at the time you apply, including any financial requirements. (emphasis added).

This means that if you are in the first half of the five year route (i.e. if you have not yet renewed your leave to remain), then when it comes to extend that leave you may be switched onto the 10 year route when you apply for renewal.

The ‘Permitting access to public funds’ guidance states:

Where someone:

• applies for further permission on the 5-year partner route
• meets the requirements of the rules (including the financial requirement) and so could be granted permission on the 5-year route; and
• is receiving public funds when they make their application or has requested access to public funds within their application

you must contact them to ask whether they wish to be granted permission on the 5-year partner route with no recourse to public funds or vary their application to enable them to be considered for permission on the 10-year partner route.

The Home Office has a standard email that is sent to people in this situation asking them which of the two options they want to pursue. Where the financial requirement is not met at the point of the extension of leave application, the person will be moved into the ten year route. The financial and emotional implications of an additional five years with limited leave to remain and two further applications needing to be made are serious and so it is important that applicants fully understand what this means for them.

There are no financial requirements for settlement and so there should not be any issues for those in the second two and a half years of their five year route.

My application for a renewal is pending, and I need access to public funds now – can I make a change of conditions application?

Yes. However, you should ensure that the submissions in the change of conditions application are consistent with the submissions in the pending applications, or else that any discrepancies or changes are carefully explained and evidenced. You may wish to seek advice about this. It will probably be necessary to refer to a copy of the pending application to ensure consistency.

Please also note that if you have already made clear that you need access to public funds via a fee waiver application or a further leave to remain application, it may be sufficient to highlight and refer back to these submissions, rather than submit a change of conditions application form.

In these cases, the change of conditions application form is likely to only duplicate the fee waiver or further leave submissions and thereby create unnecessary delay and administrative burden for applicants as well as the Home Office. This approach may, however, require a pre-action letter in order to ensure a (timely) response.

With thanks to Rahath Abdar, Adam Hundt, Sonia Lenegan and Alice Ongaro for their assistance. See The Unity Project for further information and assistance. This article was originally published in April 2024 and has been updated by Sonia Lenegan so that it is correct as of the new date of publication.