@Colin *********
My girlfriend got the visitor visa last year with none of that.
No job 'on paper'. She provided screenshots of the Instagram through which she sells hand made doll accesories though. So no employer letters, nothing official.
Doesn't own a house. Our rental contract is in my name.
Very little money in the bank.
She does have a car, but the lease is in her brothers name so we didnt use that.
We just had proof of relationship, all the paperwork adequatly filled out, sponsor bank statements couples with a sponsor invitation letter than outlines how much money she will be sponsored with every day, and a letter from her saying why she wants to come and what she intends to do here.
And a few months later a friend in a similar situation also managed to get a visa.
I think people overstate how unlikely it is. It's not easy, and you need to be dilligent with the paperwork. But it's not as hard as people like to pretend it is.