What are the chances of visa approval and refund policies if visa is refused after fee payment in UK/New Zealand?

It depends on your application quality and whether you meet all requirements. A well-prepared application with complete documents and strong financial evidence gives you the best chance for a student visa to the UK or New Zealand.

Refund policies if your visa is refused:

- UK: Application fees and priority service charges are non-refundable. The Immigration Health Surcharge (IHS) is usually refunded automatically if your visa is refused.
- New Zealand: Application fees are non-refundable if your visa is declined. Refunds are only given in rare cases, such as if you paid the wrong fee or your application wasn't processed.

Visa policies and refund rules are subject to change.