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1. How hard is it to prove financial hardship and get work rights on a BVC, how long does it take, does it affect the 820 processing time or likelihood of not being approved.
You probably need to prove that you can't afford to sponsor your partner.
 

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2. If you get a 3 month travel visa, would the bva kick in after 3 months even if you haven't gone to the 12 month expiration, or would that just mean you need to leave the country, and the bva would kick in at MINIMUM 12 months no matter what?
If the 12 month visa has maximum 3 month stays, any pre approved BVA will kick in once that 3 month ends, assuming the applicant is still on Australia.

If the 12 month visa has a 12 month stay period, the BVA kicks in after 12 months, if still in Australia.
 

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my fear is that the 309/100 will take more than just 6 months (which based off of the aus gov estimates, it probably will)
Actual processing times for subclass 309 visas finalised in November 2021.

Global median average of 10 months.

25% finalised in under 5 months.
25% finalised between 5 and 10 months.

The time often depends on quality and completeness of application, length of time together and country of application.

Some take longer because they don't submit everything, and wait for RFI's before finalising it.

Some forget to submit the sponsor application causing further delays.

Some make errors in the application, causing more delays while things get more thoroughly checked.
 
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