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Setting up home with your partner

  • Securing your future

    Moving in with your partner or buying a house together can seem like an exciting prospect. But few couples realise how risky their situation can be from a legal point of view. It may seem outdated, but unmarried couples are not protected by law in the same way that married couples or civil partners are. Common law marriage does not exist. Sadly, by the time people realise this, it is often too late - the relationship breaks down or a partner dies and it is only then they realise they do not have any legal protection.

    The information on this page sets out the things you need to consider if you are not married or not in a civil partnership.

    It is well worth taking legal advice as soon as you plan to live together to find out:

    • what rights you do have;
    • where you and your partner stand in all situations; and
    • what you can do to make your position more secure.

    Finding a solicitor

    If you don't already have a solicitor, visit www.lawsociety.org.uk/find-a-solicitor and search under 'Family' to get details of solicitors in your area. Or call 020 7320 5650.

    What the solicitor will need to know

    Once you have appointed a solicitor, they will need a thorough briefing on your circumstances. They are likely to ask you for a variety of information. This could include:

    • details of the history of your relationship;
    • a list of your assets and those of your partner;
    • if you own your home, what its value is and whose name it is owned in;
    • contributions you and your partner have made to the value of the home (including work on the property);
    • the value of any other assets;
    • your earnings and those of your partner; and
    • whether you or your partner have any children.

    Your solicitor will then explain your rights. They will highlight the circumstances where you or your share of the home could be at risk and will tell you what action to consider taking to avoid this. Remember that your solicitor can only act for one partner at a time. They cannot act for both of you even if you both want this.

    Things to consider

    Here are some of the main areas of law that your solicitor will cover with you.

    Home ownership

    If you move in with someone and the house is only in their name, usually you have no right to the proceeds from selling the house. This applies unless you can prove:

    • you have contributed to the deposit for the house or the mortgage payments; or
    • you have made a financial commitment (for example, paying for major work on the house) because it was agreed you would own a share of the house.

    If the house is not in your name you may have no right to continue to live there if your partner asks you to leave. Also, if the house is not in both your names, you have no right to inherit the house if your partner dies unless they have put this in their will. If they do not leave a will, you may need to make a claim against your partner's estate through the court. You will only be able to do this if you have been living together for two years or more, or you were being supported financially by your partner.

    Your solicitor might recommend that the house is transferred from your partner's name into your joint names, either as 'joint tenants' or 'tenants in common'. If you own as joint tenants with your partner, you may be entitled to a share of the money if you sell the property. And if one of you dies, the other automatically inherits the property, regardless of what is set out in your wills.

    However, if you own as tenants in common, you have a right to your own share of the property but no more. By owning as tenants in common you can formally agree exactly what share of the property you each own by getting the solicitor to draw up a 'deed of trust'. This can prevent disagreements later. If either of you wants to leave your share of the property to the other when you die, this needs to be set out in a will.

    Renting together

    If you are renting together, it is a good idea to have the tenancy agreement in both your names.

    Children

    If you have children with your partner, you need to think about what the child's surname will be and how to register their birth. It is up to you and your partner what surname you choose for your child, and you can register the child's birth jointly.

    Under the law, if you and your partner are not married, the mother of the child has automatic parental responsibility for the child. From 1 December 2003 , if the father is jointly registered on the birth certificate, he also has parental responsibility for the child. Otherwise, with your solicitor's help, you can enter into an agreement to share parental responsibility with your partner. This could be important later if you and your partner split up.

    If you live with someone who has a child from another relationship, the law gives you no parental responsibility at all. Your solicitor can explain what this means to you.

    Children and separation

    If you and your partner split up and you have children together you can apply to the Child Support Agency for child support payments and to a court for various other types of financial help relating to your child. This is something you should discuss with your solicitor as soon as possible.

    Next-of-kin status

    If your partner is ill or dies, you may not be considered as their 'next-of-kin' for medical purposes unless you and your partner make a written agreement beforehand. Your solicitor can help you with this agreement.

    Banking

    If you and your partner have separate bank accounts, you cannot have access to money in your partner's account. If your partner dies, the money in their account will become part of their estate. This means that you will not automatically inherit the money unless this is what it says in their will.

    Tax status

    You and your partner will not have the same tax benefits as married couples or civil partners, especially relating to capital gains tax and inheritance tax. Unlike married couples and civil partners, you may have to pay tax if you want to give major assets to your partner.

    Pension schemes

    If you die, your state pension is not automatically passed on to your partner. Different rules apply to company and private pensions, and it is best to look at these carefully with your solicitor to see exactly what level of pension you and your partner have.

    Making a will

    A will is a useful way of setting out what property and assets belong to you as opposed to your partner. Unless you make a will, your partner will have no automatic right to a share of your assets if you die, so it is essential to have one if you want your partner or their children to inherit.

    Cohabitation contracts

    These are slowly gaining recognition as a way of securing a couple's financial and other arrangements. They set out, in advance, what each member of the relationship expects of the other, both during the relationship and if they separate or one of them dies. They are 'honourable agreements', which means that not all clauses may be enforced by the courts. But they do limit disagreements and certainly provide some peace of mind.

    You and your partner should both take separate legal advice before signing such an agreement.

    Disagreements

    Sadly, most couples don't take legal advice until the relationship fails, a partner dies or there is some other crisis. It is rarely as easy to solve a problem at this stage, but your solicitor will have the knowledge and experience to protect your interests. Whether it's a simple case of checking your rights, or a complicated matter regarding the children, your solicitor will find the best solution for you within the law.

    Costs

    Charges can vary between solicitors. They depend on:

    • the experience and knowledge of the solicitor;
    • the type of service provided; and
    • whether any agreements need to be drawn up.

    Before you decide who to use, it is always a good idea to check with a few local solicitors to find out how much they charge. However, price is not the only issue. It is just as important to find a solicitor who is approachable and sympathetic, and whose advice you understand.


    Alternative formats

    We can make the information in this leaflet available in other formats and selected languages on request. Please email accessibility@lawsociety.org.uk for more information.

    Disclaimer

    While we have made every effort to provide accurate information, the law is always changing and affects each person differently. This information is no substitute for specific advice about you personally and we will not be liable to you if you rely on this information.


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