I guess what I am asking is this: she is living in my house and contributes to this, but doesn't have an "agreement". Does she need one?

I was worried that if they ask her where she lives she has no "agreement", but having looked in (oh so much!) depth, they do NOT ask for proof of mortgage/rental agreement, just bills and bank details. If anyone has any direct experience of this, please let me know. As I said, it may be an "obvious ...

She works for the NHS as a physiotherapist, and is applying "under her own steam".... she has a work visa.

Hello, apologies if this question has been answered before, I cannot find a similar one. I am British, my fiancee is South African, she has her ILR interview on the 22nd June. All her documents are spot on, but I am a little worried that we live together in my house, on which I am the sole mortgage ...