Unmarried Family Finances

Guidance for cohabiting couples
on financial and property matters

Navigating a relationship breakdown can be overwhelming, especially when children or jointly owned property are involved. While many people assume unmarried couples have similar rights to married couples, the legal position for unmarried couples is significantly different and can create unexpected challenges.

The Myth of ‘Common Law Marriage’

The phrase “common law spouse” is widely used, but it is a legal myth. In England and Wales, cohabiting couples do not automatically have financial claims against one another, regardless of the length of the relationship or whether they have children together. The Matrimonial Causes Act 1973 only applies to married couples, leaving unmarried partners with limited legal protection if they separate.

This can lead to uncertainty and vulnerability, especially around property rights and future financial security. That’s why it’s important to understand your legal position early on and seek specialist advice.

What Happens to Our Property?

The legal framework for resolving property disputes between unmarried couples is based on the Trusts of Land and Appointment of Trustees Act 1996 (TLATA) (sometimes referred to as “TOLATA”) and relevant case law.

  • If a property is jointly owned, the starting point is that both parties have equal shares, unless a declaration or agreement says otherwise. The burden is on the person disputing this to prove a different intention.
  • If the property is in one partner’s sole name, the other partner is not automatically entitled to a share, even after many years of cohabitation. You would need to demonstrate a beneficial interest, usually by proving a trust exists, based on financial contributions or a shared intention.

This area of law is complex, and outcomes are heavily dependent on the facts of each case. Our experienced family law solicitors can guide you through your options and help protect your interests.

Speak to a Family Law Solicitor Today

Due to the sensitive nature of family matters choosing the right solicitor for your matter is essential. We therefore offer a free initial telephone consultation so you can find out more about our services and decide if we are the right fit for you. If you would like to set up a free initial call, please complete the contact form here and a member of the team will be in touch.

What About Child Maintenance?

In most cases, child maintenance is assessed by the Child Maintenance Service (CMS). The standard rate payable is calculated using the CMS calculator, and the court can only get involved in limited situations, as outlined in Section 8 of the Child Support Act 1991.

If you need help navigating child maintenance arrangements or understanding when the court might step in, our team is here to support you.

Can I Apply for Financial Support for the Children?

Under Schedule 1 of the Children Act 1989, a parent can apply for the following types of financial provision for a child:

  • Unsecured or secured periodical payments
  • Lump sum payments
  • Settlement or transfer of property for the child’s benefit

These applications are especially relevant if the non-resident parent lives abroad, where the CMS does not have jurisdiction. We can advise on whether a Schedule 1 application is appropriate for your situation.

Should We Get a Cohabitation Agreement?

A Cohabitation Agreement allows unmarried couples to agree in advance how property and finances will be handled, both during the relationship and if it ends. You can put this agreement in place before moving in together or at any stage of the relationship.

Having a Cohabitation Agreement in place can provide peace of mind, reduce conflict, and clarify financial arrangements. Visit our Written Agreements page to learn more or speak to our team for tailored advice.
This page is intended for basic information purposes only and should not be considered a substitute for independent legal advice.

For more information or to speak with one of our specialist family law lawyers, please contact Bennett Oakley Solicitors today.

Speak with a Bennett Oakley expert today

Looking for legal support? Get in touch with our solicitors, and we’ll connect you with the right expertise to meet your specific needs through our trusted legal team and professional partners.

FAQ Topics

Do unmarried couples have the same rights as married couples when separating?

No. There is no such thing as a “common law marriage” in UK law, meaning unmarried couples do not have the same financial claims as married couples. This can lead to uncertainty during separation, especially where property or children are involved. It’s vital to get specialist legal advice to understand your rights.

What happens to a home we bought together but only one name is on the title deeds?

If the property is in one person’s sole name, the other has no automatic right to a share in the equity, even after many years together. You will need to show that a trust or financial interest exists, which can be complex. Our team can advise you on whether a claim may be possible under the Trusts of Land and Appointment of Trustees Act (TLATA) 1996.

Can I claim financial support for our children even if we weren’t married?

Yes. Child maintenance is handled by the Child Maintenance Service (CMS) in most cases, based on income. You may also be able to apply through the courts under Schedule 1 of the Children Act 1989 for financial provisions such as lump sums or property transfers to support your child. We can help you explore which route is best for your situation.

Is a Cohabitation Agreement legally binding?

A Cohabitation Agreement is not legally binding in the same way a contract is, but it can carry significant weight in court if properly drafted and signed. It sets out what happens if you split up, covering finances, property, and other practical matters. It’s a smart step for anyone moving in with a partner.

Latest news & insights

Family Law, Private Client

Important information about Wills after divorce

Family Law

Single Lawyer Model – helping former couples manage separation out of court

Family Law

Divorce: The Importance of seeking an experienced Family Lawyer

Stay up to date on Bennett Oakley news, insights and more


Get in touch

Reach out to us for clear, supportive, and practical legal solutions, tailored to meet your unique needs.

We are here to guide you with dedication and care, ensuring your peace of mind every step of the way.

Required*