Separation agreements for cohabiting couples

Separation agreements aren’t just for married couples. Unmarried cohabiting couples who are separating can use them to formalise arrangements. 

These agreements can provide clarity and avoid disputes, even if your relationship wasn’t legally formalised by a marriage or civil partnership.

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Frequently asked questions

What should a separation agreement include?

Every separation agreement is unique, but they typically include:

  • Financial contributions: How rent, mortgage, or household bills will be paid until the home is sold, transferred, or vacated.
  • Debt management: Who is responsible for paying mutual debts, such as loans or credit cards.
  • Property arrangements: How proceeds from the sale of a property will be divided or who will retain ownership.
  • Pensions and savings: Agreements about joint accounts, pensions, or investments.
  • Jointly owned items: Decisions about cars, furniture, or other shared possessions.
  • Pets: Who will care for the family pets.
  • Child arrangements: Living arrangements, schedules for time with each parent, and parenting responsibilities.
  • Spousal and/or child maintenance: Financial support agreed between the parties.

Full financial disclosure is essential.

Our separation agreement solicitors will work with you to create an agreement tailored to your unique circumstances.

How much does a separation agreement cost?

The cost of a separation agreement will depend on the complexity of your arrangements.

Additional costs may apply if your situation requires:

  • Mediation to resolve disputes.
  • Complex financial disclosure.

For a personalised quote, speak to one of our friendly team members on 01442 872311.

Can I get a separation agreement if I still live with my partner?

Yes. A separation agreement can outline how shared living arrangements, finances, and parenting responsibilities will work while you live in the same house.

Should I get divorced or enter into a separation agreement?

Deciding between divorce and a separation agreement depends on your circumstances. A separation agreement might be the better option if:

  • You’re not ready or able to divorce due to personal or religious reasons.
  • You need an interim solution while considering whether to proceed with divorce.
  • You’re separating but wish to maintain certain benefits, such as shared health insurance or pension rights.

Our solicitors will help you weigh the pros and cons and decide which option is right for you.

 

Is a separation agreement legally enforceable?

While a separation agreement isn’t automatically legally binding, it carries significant weight if both parties:

  • Provide full financial disclosure.
  • Seek independent legal advice.
  • Ensure the terms are fair and reasonable.

Courts are more likely to uphold an agreement that meets these criteria. At Machins Solicitors, we’ll help you draft an agreement that maximises its enforceability and protects your interests.  Ultimately though, if you’re seeking certainty a divorce or judicial separation may be a better option.

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