I have heard of a case where the couple hadn't met the 1 year cohabitation requirement at the time they sent their application, they had been living together for 9 months, and OF COURSE their application got refused.
The rule is clear, you have to have cohabited with your partner for 1 year when you send your app. in.
Why put some much effort in your application now if you know it will be refused? Right?! Wait until you have been living together for 1 year, then eligible.