Understanding Cohabitation Agreements in the UK

With increasing numbers of couples choosing to live together without getting married, cohabitation agreements are becoming an essential legal tool in the UK.  These agreements provide clarity and security for unmarried couples by outlining financial arrangements and responsibilities during the relationship and in the event of a separation.

Cohabiting couples in the UK do not have the same legal rights as married couples. Contrary to common belief, there is no such thing as ‘common law marriage’ in UK law. Without legal protection, cohabiting partners may face significant financial and legal challenges if the relationship ends.

Some key factors to consider:

• Property ownership and ensuring that the legal position reflects any agreement in place
• Financial contributions
• Debt and liabilities
• Maintenance and support
• Personal property
• Children
• Dispute resolution

Some key benefits include:

• Clarity and security
• Protection
• Flexibility
• Peace of mind

Next steps for your cohabitation agreement:

1. Legal advice
2. Financial disclosure
3. Negotiation
4. Review and update

By outlining each partner’s rights and responsibilities, these agreements help prevent disputes and ensure fair division of assets if the relationship ends. Seeking independent legal advice and fully disclosing financial information are crucial steps in creating a robust and enforceable agreement. As more couples choose to cohabit, understanding and utilising these agreements can safeguard interests and contribute to a more secure and harmonious relationship.