Cohabiting couples are now the fastest-growing family type in the UK, yet many still don’t realise they have no automatic legal rights if the relationship ends. That’s where a cohabitation agreement comes in.
What is a cohabitation agreement?
A cohabitation agreement is a legal document between two people who live together but are not married or in a civil partnership. It sets out how finances, property, and responsibilities will be handled during the relationship—and what happens if it ends.
Think of it as a relationship roadmap that protects both partners and helps avoid costly disputes.
What does a cohabitation agreement cover?
Cohabitation agreements can be tailored to your situation, but typically include:
- Property ownership: Who owns what, and how it will be divided.
- Rent or mortgage contributions: How bills and housing costs are shared.
- Savings and debts: Agreements on joint accounts or liabilities.
- Household expenses: Who pays for what, from groceries to utilities.
- Children: Arrangements for care and financial support.
- What happens if you separate: Who stays in the home, how assets are split, and more.
Why is a cohabitation agreement important?
Despite the myth of “common law marriage,” UK law does not automatically protect cohabiting partners. Without a cohabitation agreement:
- You may have no claim to your partner’s property or savings.
- You may be left financially vulnerable if the relationship ends.
- You may face legal battles over shared assets or child arrangements.
A cohabitation agreement provides clarity, security, and peace of mind.
What’s new with cohabitation agreements in 2025?
The UK government is currently reviewing cohabitation law, with reforms expected to modernise protections for unmarried couples. While changes are on the horizon, current law still offers no automatic rights—making cohabitation agreements more important than ever.
Tips for creating a cohabitation agreement
- Get Legal Advice: Each partner should have independent legal advice to ensure fairness.
- Be Transparent: Full financial disclosure builds trust and avoids future disputes.
- Review Regularly: Update the agreement if your circumstances change—e.g., buying property or having children.
- Include a Dispute Resolution Clause: This can help avoid court if disagreements arise by choosing a preferred method of resolution and timeline.
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