Download our guide which shows what could happen with or without a cohabitation agreement
Cohabitation agreement solicitors
If you're unsure whether you need a cohabitation agreement, we can help.
Unmarried couples in England and Wales have no legal rights if they separate. Without a living together contract, one of them could be left with nothing.
We offer fixed fee Cohabitation Agreements and flexible pricing to suit your circumstances and your budget. Once we have provided you with a fixed price quote for the agreed work, that price will not change.
How much does a cohabitation agreement cost?
Our fixed fee cohabitation agreement costs £750 +VAT (£900 including VAT).
Included in the fixed fee cohabitation agreement
- Initial legal advice by consultation or detailed telephone call.
- Legal advice on the implications of signing a Cohabitation Agreement.
- Informing you of the financial information needed and drafting a Schedule setting out your respective financial positions.
- Drafting the Cohabitation Agreement to reflect the agreement you have reached with your partner.
Not included in the fixed fee cohabitation agreement
- Any work required to implement the terms of the cohabitation agreement for example transferring an interest in property.
- Any negotiations if there is a disagreement (that work would be conducted on an hourly rate basis).
This fixed price living together agreement package is only suitable for:
- Couples who have already reached an agreement.
- Cases without complicated assets such as property overseas.
The package is not available to people with assets of over £1,000,000
What is a cohabitation agreement?
A Cohabitation Agreement, also known as a Living Together Agreement or Contract, can set out how you and your partner will manage your money matters. You can make a Cohabitation Agreement at any time.
A Cohabitation Agreement can cover how you’ll share the rent or mortgage and bills and how to deal with any bank accounts, property or assets if you should separate. A Cohabitation Agreement also helps agree things in a fair way, without the emotional pressures which can arise when a relationship breaks down.
A Cohabitation Agreement can strengthen your relationship by lessening the worry about what would happen if you do separate, preventing disagreements and avoiding potentially costly Court proceedings.
What can a cohabitation agreement cover?
- How each of you contributes to rent, mortgage or household bills
- How each of you will deal with any debts
- The fact that if you own a property each of you may have contributed differently to the deposit
- How you deal with any joint bank accounts
- Taking out life insurance on each other
- Nominating the other as a beneficiary under a pension
- What would happen to items you’ve bought together like cars and furniture
- What would happen to your pets
- How you will support any children you may have.
Can a cohabitation agreement be enforced in court?
Provided you’ve both been honest about your finances and assets, it’s likely that a Court would enforce a properly prepared Cohabitation Agreement as it is a legal contract between you.
If you go on to get married you could consider a Pre-Nuptial Agreement. Although not legally binding, a Pre-Nuptial Agreement would be taken into account by the Court in any proceedings between a married couple or civil partners should they separate.
Living together contract FAQ
Q) My boyfriend and I have lived together for 20 years and have 3 children, do we have legal rights as ‘common law’ husband and wife?
A) No, living together, even for years, or having children together doesn’t give you the same legal rights as a married couple or civil partners.
Q) My partner and I are thinking of moving in and living together, how can we agree in advance how to deal with our finances?
A) A Cohabitation Agreement can set out how you will manage your money, including paying the mortgage or rent and bills, and how you’ll deal with bank accounts, property or assets if you later separate.
Q) I’ve lived with my girlfriend for 5 years and we’ve decided to have children but we don’t want to get married. Can we make arrangements about our finances to protect us and the kids if we split up in the future?
A) Yes, a Cohabitation Agreement can include details about your finances and what the child maintenance arrangements would be if you were to separate.
Q) Is a living together or cohabitation agreement worth the cost?
A) If you and your partner jointly own any property or assets like a house or a car, a living together agreement or cohabitation can avoid potentially costly court proceedings that could arise from deciding how these would be divided up if you separated.
Q) If we buy a house together as a same sex couple, is becoming Civil Partners the only way we can protect ourselves financially?
A) No, a Cohabitation Agreement can document details such as if each of you paid a different amount of money towards the deposit, and how the property would be divided if you separate.
Our Cohabitation Agreement Solicitors can also provide legal advice on how to protect children and financial assets in a Cohabitation Agreement.
About Co-op Legal Services
The family law team at Co-op Legal Services includes specialist Family Solicitors, Divorce Solicitors and Children Law Solicitors with Resolution accreditation and accredited experts in child abduction, co-habitation, domestic abuse, property disputes, high net worth money matters and financial advocacy.
Resolution is a national organisation of Family Lawyers committed to non-confrontational divorce, separation and other family problems.
Co-op Legal Services has over 600 staff working in different businesses with offices in Manchester, Bristol, Stratford-upon-Avon, Sheffield and London.
As part of the Co-op Group, our values of openness, honesty, social responsibility and caring for others are core to the service we provide.