Settler's living with her at last (7)
I believe the answer is:
incomer
'settler's' is the definition.
(thesaurus)
'living with her at last' is the wordplay.
'living' becomes 'income' (the money someone lives on).
'with' says to put letters next to each other.
'at last' says to take the final letters.
The final letter of 'her' is 'r'.
'income'+'r'='INCOMER'
(Other definitions for incomer that I've seen before include "New arrival in an area" , "New member of a community" , "Perhaps asylum seeker" , "Recent arrival" , "No native" .)