Cohabitation – Your Questions Answered

Are you unsure how to approach the topic of a cohabitation agreement with your partner? A cohabitation agreement is essential for the protection and understanding of both parties if you were to separate. Family and Divorce Solicitor, Natasha Miller answers your questions.

Topics to be answered in this article

What is a cohabitation agreement?

If you and your partner are planning on living together, or already do, it is useful to create a cohabitation agreement, sometimes referred to as a living together agreement. A cohabitation agreement, provided it is drafted and executed properly is a legally binding contract that sets out clear ownership and responsibilities for you both. The cohabitation agreement can cover elements such as ownership of property, share of the mortgage or rent you will pay, next of kin rights, how household bills will be dealt with, finances, pets and care of children, both when you are living together and in the event you separate.

Am I protected by Common Law Marriage?

No, you are not. According to the Office for National Statistics there are 3.6 million unmarried couples living together compared to 1.5 million in 1996. Many of these people believe that sharing a home with their partner automatically creates a common law marriage, but this is a myth in the UK. The length of time you have lived with your partner has no legal validity and could leave you in a vulnerable situation should you separate.

Who is responsible for the PSC register?

Since June 2017, these entities must collect information about their PSCs, and must keep a PSC register since July 2017. There is a requirement for the entity to update their PSC register within 14 days following any changes.

The two main categories of entity that should be recorded on the register are registerable individuals with ‘significant control’, and any other registerable ‘relevant legal entities’ that have significant control and are required to keep a PSC register.

I have contributed significantly to our lifestyle over the years, what am I entitled to?

Even when you may have loaned your partner money to pay debts, paid for cars, holidays and luxuries in life, you are still unlikely to be successful in a claim for a share of a property. If you were married, the court recognises all financial and non-financial contributions over the course of the relationship, including raising children, as broadly equal contributions. The court has broad powers to order property to be sold, transferred, and cash payments to be made between spouses.  The court does not yet have similar discretion when dealing with disputes between unmarried couples nor any similar range of orders to make. 

You would need to prove that the other person made a promise to you that you would gain a financial interest in that specific property if you were to pay for everything else, the cost of which you may well need to prove with documentation in support.

My partner and I have children, surely I am protected for the future?

If you are unmarried and living together with children you do not have the same rights as married couples to make claims for spousal maintenance, property adjustment orders, lump sum orders and pension sharing orders. There are limited orders that can be made but that is dependent on the individual circumstances. By creating a legally binding cohabitation agreement both you and your partner can discuss what you want to happen around property, finances and care of children should your relationship come to an end.

How can Goughs help?

Goughs specialise in disputes between unmarried couples on separation, and also advise many from an early stage so that they better understand their rights and entitlements when purchasing a property with their partner, or if they are planning on starting a family when not married.

It might seem unromantic, money grabbing or pessimistic to obtain such advice. However, you may not feel the same further down the line after years of financial contribution, or sacrifices made to raise children, when it comes to separating, had you taken steps to protect yourself from the very beginning.

Author Bio

Natasha Miller

I joined Goughs in September 2019 as a Trainee Solicitor. After graduating from the University of Bath with a Psychology degree I spent ten years working in management. I attended BPP University in Bristol in 2017, receiving a distinction in both the Graduate Diploma in Law and Masters of Laws before joining the firm. I then qualified as a Solicitor in September 2021.

My background, both educationally and professionally, meant that before commencing my training contract I knew that I wanted to work in an area of law with a high level of client contact. I enjoy the human element to each case and working with clients to achieve the best possible outcome for them in what is inevitably a very difficult time in their life.

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