Cohabitation Agreements

A cohabitation agreement is a legally binding contract between two people who live together — or intend to live together — but are not married or in a civil partnership. It sets out what happens to property, assets, and financial responsibilities both during the relationship and if it breaks down.

Cohabiting couples have far fewer automatic legal rights than married couples. Without a cohabitation agreement, disputes over property and finances are governed by general property law — which can lead to unfair outcomes, particularly where one partner has made significant financial contributions to a jointly occupied home.

A typical cohabitation agreement covers ownership of the home and any mortgage, how household bills and expenses will be managed, what happens to assets each person brought into the relationship, and arrangements if one partner dies or the couple separates.

A well-drafted cohabitation agreement provides certainty and peace of mind. It can prevent costly and emotionally draining disputes later, and it demonstrates that both parties have approached the arrangement with transparency and fairness.

To be as effective as possible, a cohabitation agreement should be prepared by a solicitor, both parties should receive independent legal advice, and it should be signed as a deed. The agreement should be reviewed periodically and updated to reflect changes in circumstances.

The family team at Terence Ray Solicitors drafts clear, comprehensive cohabitation agreements tailored to your specific situation.

Get in touch on 020 3367 1430 or email info@trsolicitors.co.uk.