I am about to submit an application for a settlement visa for my husband - a Ghanaian. I have been told that Accra HC can be really tough, so would appreciate some feedback as to how strong you think our application is, or any additional advise/documents you can recommend.
We married in February 2006 and I returned to the UK in March 2006 as I discovered I was pregnant and worried about malaria etc. I have found full-time permanent employment and rented a one bedroom apartment since returning. I do not have any savings however, but a family friend has agreed to stand as an additional financial sponsor. My parents are not able to get involved in the application as my father works for the UK Immigration Service and does not want a conflict of interests to be recorded (problem??)
Documents I will submit:
1) Certified passport and birth certificate
2) Offer of employment
3) Tenancy agreement (lease), photos of apartment, letter from landlord.
4) Bank statements for two months
5) Proof of pregnancy
6) Letter of support from MP
7) Phone bill and cards, letters, postcards and emails from my husband.

Documents my husband will submit:
1) Marriage Certificate
2) Police report showing no criminal record
3) Witness statements from family and friends in Ghana that we were living together in family residence in Accra.
4) 2 X Offers of employment in UK
5) Letters, cards, emails I have sent him
6) Receipts of money sent by me via Moneygram.
7) Letter from previous employer in Ghana.

9) Membership of Ghana Music Association and supporting letter from President of Organisation.
Documents Additional Sponsor will submit:
1) Letter of support
2) 6 months bank statements
3) 6 months saving account statements
4) Contract of employment and recent letter showing pay rise.
Problems I can forsee are:
1) I have recently started job so can not provide pay slips, but can forward them for husband to show at interview (accra waiting times are up to 3 mths)
2) We do not have any joint savings of our own.
3) Additional sponsor is self-employed within an architects company....so no payslips, but can see regular monthly incomings on bank statements.
4) Additional sponsor has savings of £2000, is this substantial enough to satisfy ECO that he can lend asssistance?
5) Does additional sponsor need to include a certified copy of passport and birth certificate??
Sorry that this is so long!
I greatly appreciate any feedback,
Thanks x.