How to demonstrate ties to home country for a UK tourist visa?
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‘Easier to apply’ may not translate into ‘easy to get’ given the previous refusal. The visa you apply for depends on what your intentions are, not what is easiest to obtain.
Visit Visa: It’s highly unlikely that showing you have inheritance expectations will help demonstrate home ties. The savings should help, but you’ll need to explain the provenance of the funds in your savings account, otherwise it will appear that you are using a strategy referred to on this forum as ‘funds parking’. UK Visa Refusal: Provenance of funds/parking If your parents gave you the money you’ll need to state that and provide evidence eg their bank statements. However, just having savings back home may not be viewed as sufficient to demonstrate a strong intention to leave the U.K. You should also consider reducing the intended length of stay - understandably because of the cost, distance etc you want to spend as much time as possible in the U.K. but a shorter stay is likely to be more credible from the ECO’s point of view.
As regards a job, can you look for something with a contracted start date after your intended visit?
Family Visa: To be eligible you and your partner must intend to live together permanently in the UK after you apply. You must be able to prove you are a fiancée and will marry in the UK within 6 months of arriving, and you and your partner must meet the income requirement (currently £18,600pa). You could of course get married in your home country before applying.
https://www.gov.uk/uk-family-visa/partner-spouse
A second application so soon after the first rejection risks a further refusal. After considering the available visa options and identifying which applies to your personal situation and intentions, it would probably be worth consulting a qualified immigration lawyer for help with your application.