Living together does not give you the same legal protection as being married. A cohabitation agreement can close that gap.
There is no such thing as 'common law marriage' in English law.
Without a cohabitation agreement, an unmarried partner has no automatic entitlement to a share of the other person's property, even after many years together.
A cohabitation agreement is a legal contract that sets out how property, finances, and assets will be managed during a relationship and divided if it ends.
It does not mean you are planning to split up. It means you are protecting both of you, clearly and fairly.
Ownership of the shared home, who owns what share
Contributions to mortgage, rent, and household costs
Personal assets brought into the relationship
Joint bank accounts and shared savings
Debts and liabilities
Arrangements if one party leaves the property
How disputes will be resolved
What happens on death
Arrangements for pets
The best time to do this is before you move in together
A cohabitation agreement is much easier to put in place when things are good. Trying to agree terms after a dispute has arisen is far more difficult and expensive. If you are about to move in together or have recently done so, now is the right time to speak to us.
We prepare the agreement. Your partner reviews it with their own solicitor to ensure both parties understand and agree to the terms.
Without an agreement in place, any dispute about ownership of property may have to be resolved through the courts, typically using the Trusts of Land and Appointment of Trustees Act 1996 (TOLATA). These cases are expensive, stressful, and uncertain.
No ambiguity about who owns what, particularly important if contributions to the property are unequal.
An agreement reached freely, when everything is good, avoids costly TOLATA claims if things go wrong.
We draft agreements around your specific circumstances, not off-the-shelf documents.
Where you are purchasing property together, we can prepare both documents simultaneously.
A good agreement is fair to both. We make sure both parties understand what they are signing.
Knowing the financial side of things is clear and documented allows you to focus on the relationship, not the what-ifs.
Talk to our family law team. A cohabitation agreement is more straightforward and affordable than most people expect.
If you are unsure where to start, the FAQs below cover the questions we hear most often. Our Family Law team is on hand if you want to talk through anything specific.
Simply give us a call on 0121 716 3716
A cohabitation agreement is a written contract between unmarried partners that sets out how property, finances, and assets will be dealt with if the relationship ends. It is legally binding if properly drafted, both parties have received independent legal advice, and neither party signed under duress.
The cost depends on the complexity of your financial situation. A relatively straightforward agreement would typically cost in the region of £1,500 plus VAT in legal fees. A more complex one involving property or business interests will cost more. We provide a clear quote before we start.
Yes. For a cohabitation agreement to be enforceable, both parties should take independent legal advice. We can prepare the agreement and recommend a solicitor for your partner to consult independently.
Yes. An agreement can be reviewed and updated at any point, for example if your financial circumstances change, if you buy a property together, or if you have children. We recommend reviewing it periodically, particularly after major life events.
A cohabitation agreement is a broad contract covering the financial arrangements of a relationship. A Declaration of Trust specifically records the respective shares in a property. Both serve different but complementary purposes, and we often prepare them at the same time.
Our Family Law team is here for people, not just cases. Approachable, compassionate, and focused on securing the best possible outcomes for you and your loved ones. Combining specialist expertise with clear, practical advice, they guide you through life’s most challenging moments with sensitivity, integrity, and unwavering professionalism.
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Ansons has offices in Lichfield, Cannock, Dudley, and Sutton Coldfield. All four offices cover family law matters, and our team regularly supports clients across the wider region, including Tamworth, Burntwood, Rugeley, Walsall, Birmingham, and surrounding areas.
Our Lichfield family law team helps unmarried couples across the city and surrounding areas put proper legal protection in place. We draft cohabitation agreements and declarations of trust, and our residential conveyancing team is on hand where a property purchase is also involved.
St Mary's Chambers,
5-7 Breadmarket Street, Lichfield, Staffordshire, WS13 6LQ
T: 01543 263 456
E: info@ansons.law
Clients across Cannock and the surrounding area can talk to our family law team about protecting their interests as a cohabiting couple. We make the process straightforward and provide a clear cost estimate before we start.
Commerce House, Ridings Park, Eastern Way, Cannock, Staffordshire, WS11 7FJ
T: 01543 466 660
E: info@ansons.law
Our Sutton Coldfield office advises unmarried couples across the Royal Town and into the West Midlands on cohabitation agreements, declarations of trust, and their legal position should the relationship end.
316-318 Lichfield Road, Sutton Coldfield, West Midlands, B74 2UG
T: 0121 716 3716
E: info@ansons.law
Our Dudley office serves clients across the Black Country. If you are living with a partner and want to protect your financial position, our family law team can help.
Unit 10, Castle Court 2, Castlegate Way, Dudley, DY1 4RH
T: 0121 550 0010
E: info@ansons.law