Cohabitation Agreements

Protecting Your Interests When Living Together

Living together as a couple can involve significant financial and legal commitments, particularly where you share a home, contribute towards household expenses, own property together or have children.

Unlike married couples and civil partners, cohabiting couples do not have the same legal framework for dividing finances and property when their relationship ends. There is also no such thing as a “common law marriage” in England and Wales, regardless of how long a couple has lived together.

A cohabitation agreement can help unmarried couples set out their intentions about property, finances and responsibilities during their relationship and what should happen if they separate.

At MYM Solicitors, we provide clear and tailored Family Law advice to help you understand your legal position and prepare an agreement that reflects your individual circumstances.

What Is a Cohabitation Agreement?

A cohabitation agreement is a legal agreement between two people who live together or intend to live together as an unmarried couple.

It can set out arrangements concerning matters such as:

  • Ownership of the family home
  • Contributions towards a mortgage
  • Rent and household bills
  • Deposits and contributions towards property purchases
  • Savings and other assets
  • Financial responsibilities during the relationship
  • Ownership of furniture and other household possessions
  •  Responsibility for debts and liabilities
  •  What should happen to property if the relationship ends
  • Arrangements concerning jointly owned property. 

A cohabitation agreement can be prepared before a couple moves in together or after they have already started living together. It can also be reviewed and updated if circumstances change. The Government’s current consultation describes cohabitation agreements as agreements that may address property ownership, financial responsibilities and what should happen if the relationship breaks down.

A cohabitation agreement is not automatically legally binding simply because it has been signed. Its effectiveness can depend on how it is drafted, the circumstances in which it was entered into and the applicable law. Professional legal advice is therefore important when preparing or reviewing one.

How MYM Solicitors Will Help

At MYM Solicitors, we understand that discussing what might happen if your relationship ends can feel uncomfortable. However, having clear arrangements in place can help reduce uncertainty and potential disputes in the future.

Understanding Your Circumstances

We will discuss your relationship, property ownership, financial contributions and other relevant circumstances to understand what you want the agreement to achieve.

Advising on Your Legal Position

We can explain how the law currently applies to unmarried couples and help you understand the differences between cohabitation and marriage or civil partnership. This is particularly important because cohabiting couples do not have the same legal rights and financial protections as married couples or civil partners.

Drafting a Tailored Agreement

We can assist with preparing a cohabitation agreement that reflects your agreed financial arrangements, property ownership and individual circumstances.

Property Ownership

If you own or intend to purchase a property together, we can advise on issues such as:

  • Legal ownership
  • Beneficial interests
  • Financial contributions
  • Mortgage payments
  • Deposits
  • Contributions towards improvements
  • What should happen if you separate

The distinction between legal ownership and beneficial interest can be particularly important when unmarried couples own property together.

Protecting Individual Contributions

If one partner contributes a larger deposit, owns a property before the relationship or contributes significantly more towards a purchase, we can help ensure the agreement properly records the parties’ intentions.

Agreeing Financial Responsibilities

We can help you set out how you intend to deal with household bills, mortgage payments, rent, savings, debts and other financial responsibilities during the relationship.

Planning for Separation

A well-considered agreement can set out what the parties intend to happen if their relationship breaks down, potentially helping reduce uncertainty and disagreement about property and finances.

Reviewing an Existing Agreement

If you already have a cohabitation agreement, we can review its terms and advise you on whether it continues to reflect your circumstances and intentions.

Updating Your Agreement

Your financial and family circumstances can change over time. We can advise you about reviewing your agreement following significant events such as purchasing a property, having children, receiving an inheritance or making substantial changes to your finances.

Related Legal Advice

A cohabitation agreement may form only part of your overall legal planning. Depending on your circumstances, it may also be appropriate to consider matters such as Wills, property ownership arrangements and arrangements for children.

We can advise you on the issues that may need to be considered alongside your cohabitation agreement.

Frequently Asked Questions

No.

Unmarried couples and civil partners do not have the same legal status or financial rights as married couples. Living together for many years or having children together does not create a “common law marriage” in England and Wales.

A cohabitation agreement can set out how you and your partner intend to deal with property, finances and responsibilities while living together and what should happen if your relationship ends.

The agreement can be tailored to your particular circumstances and financial arrangements.

A cohabitation agreement is not automatically legally binding simply because both partners sign it.

Its enforceability can depend on factors including the wording of the agreement and the circumstances in which it was made. Independent legal advice for both parties can be important when entering into an agreement.

It can help record the parties’ intentions concerning ownership and financial contributions to a property.

However, property ownership can involve both legal and beneficial interests, so it is important to obtain appropriate legal advice and ensure the relevant property arrangements are properly documented.

Yes.

A cohabitation agreement can be entered into before moving in together or after a couple has already started living together. It can also be reviewed and updated if circumstances change.

Yes.

A cohabitation agreement can set out the parties’ intended financial responsibilities, including contributions towards a mortgage, rent, household bills and other expenses.

The agreement should reflect the actual circumstances and arrangements of both partners.

The outcome can depend on how the property is owned, any beneficial interests, financial contributions and the circumstances surrounding the property.

Unlike divorce, there is no equivalent overarching statutory financial remedy framework for cohabiting couples. Property disputes may instead involve property and trust law, including the Trusts of Land and Appointment of Trustees Act 1996 (TOLATA).

A cohabitation agreement can record the parents’ intentions about certain family and financial arrangements, but issues concerning children are treated separately from agreements about ownership and finances.

The welfare and needs of children remain important considerations, and arrangements concerning children may need to be addressed separately depending on the circumstances.

It is strongly advisable for each partner to obtain independent legal advice.

Separate legal advice can help ensure that both parties understand the agreement and its potential implications before entering into it.

It is often important for cohabiting couples to consider their Wills separately.

Marriage and civil partnership provide certain inheritance rights that do not automatically apply to unmarried couples. If a cohabiting partner dies without appropriate estate planning, the surviving partner may not have the same automatic inheritance rights as a surviving spouse or civil partner.

Yes, depending on the circumstances.

It may be appropriate to review an agreement following significant changes, such as buying a property, having children, receiving an inheritance or experiencing a substantial change in financial circumstances.

Yes.

If you are already separating, we can advise you on your legal position concerning property, finances and other relevant matters.

The legal options available to an unmarried couple can be different from those available following divorce, so obtaining appropriate advice can be particularly important.

Speak to MYM Solicitors About
a Cohabitation Agreement

Speak to MYM Solicitors About a Cohabitation Agreement

Living together can involve significant financial and legal commitments. Putting clear arrangements in place can help you and your partner understand your respective positions and reduce uncertainty about the future.

Contact MYM Solicitors today for professional Family Law advice tailored to your circumstances.

Why Choose MYM Solicitors?

  • Tailored advice based on your individual circumstances
  • Clear explanation of your legal position
  • Assistance with drafting and reviewing cohabitation agreements
  • Advice on property ownership and financial contributions
  • Guidance concerning separation arrangements
  • Support with complex property and financial matters
  • Advice on related legal planning where appropriate
  • Professional and confidential Family Law support

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