The Legal Rights of Cohabiting Couples in England and Wales: What You Need to Know

More couples are choosing to live together without getting married or entering into a civil partnership. However, many don’t realise that cohabiting couples do not have the same legal rights as married couples—regardless of how long they’ve been together or whether they have children. One of the most common misconceptions in family law is the idea of a “common law marriage”—a term often used but with no legal status in England and Wales.
This blog explains the legal rights of cohabiting couples in England and Wales, what happens if the relationship ends, and how you can protect yourself and your assets.
Cohabitation vs Marriage: Understanding the Difference
Cohabiting couples live together as if they are married, but without any legal formalities. Unlike marriage or civil partnerships, cohabitation offers no automatic rights or responsibilities. When a married couple divorces, each spouse has legal entitlements regarding property, pensions, maintenance, and inheritance. Cohabiting couples do not.
Unless you take clear legal steps to protect your interests, you may be left vulnerable if your relationship breaks down or your partner passes away.
Property Rights
Property ownership is one of the main legal issues for cohabiting couples. If the family home is solely in your partner’s name, you do not have an automatic right to stay in or benefit from the property—regardless of how long you’ve lived there or contributed financially.
If the home is jointly owned, your share will generally reflect what’s recorded on the title deeds or any declaration of trust. If there’s no agreement or evidence, disputes may need to be resolved through the courts.
To protect your interest in a shared home, you should consider:
- Making sure both names are on the title deeds
- Creating a cohabitation agreement
- Drawing up a declaration of trust setting out the equity split
Finances and Debts
Cohabiting partners do not have a legal duty to support each other financially. There is no right to maintenance for yourself if the relationship ends, unlike with marriage. You are also not responsible for each other’s debts unless they are in joint names.
If you share financial commitments such as a joint mortgage, bank account, or loan, you may be jointly and severally liable—meaning either person can be held responsible for the full amount.
It’s sensible to:
- Keep a clear record of financial contributions
- Be cautious with joint credit agreements
- Create a written agreement to manage joint expenses
Children and Parental Responsibility
The law treats all children equally, whether their parents are married or not. Mothers automatically have parental responsibility. Fathers also have it if they:
- Were married to the mother at the time of birth
- Are named on the birth certificate (for children born after 1 December 2003)
If a father does not meet either condition, he can obtain parental responsibility through an agreement with the mother or by applying to the court.
Both parents are legally required to support their children financially. The Child Maintenance Service (CMS) may be used to arrange ongoing child support from the non-resident parent.
Inheritance and Wills
One of the most significant legal risks for cohabiting couples is inheritance. If your partner dies without a will (intestate), you are not automatically entitled to inherit anything unless:
- You jointly own property
- You are named in a valid will
- You make a successful claim under the Inheritance (Provision for Family and Dependants) Act 1975
This can result in serious hardship or even homelessness for surviving partners. To avoid this, both partners should:
- Write a valid will
- Consider taking out life insurance
- Nominate each other for pensions or death-in-service benefits
Cohabitation Agreements: A Key Protection
A cohabitation agreement is a legally binding document that outlines what will happen if the relationship ends. It can include:
- Ownership of property
- Financial responsibilities
- Childcare arrangements
- Division of personal items
While it doesn't offer all the protections of marriage, a cohabitation agreement can provide clarity and reduce the risk of disputes.
Separation: What Happens When Cohabiting Couples Split?
There is no formal legal process for separating if you are not married. However, disputes—particularly around property or children—can still arise and may need to be resolved by the courts.
Legal claims can be made under:
- The Trusts of Land and Appointment of Trustees Act 1996 (TOLATA) for property issues
- Schedule 1 of the Children Act 1989 for financial provision relating to children
- The Child Maintenance Service (CMS) for ongoing child support
Where possible, separating couples should consider mediation to resolve matters constructively before turning to litigation.
Key Points to Remember
- Cohabiting couples in England and Wales do not have the same legal rights as married couples
- There is no such thing as a “common law marriage” under the law
- To protect your interests, consider a cohabitation agreement, ensure your name is on the property title, and create wills
- Parental responsibility and financial support for children are legal obligations, regardless of marital status
- Seek legal advice when buying property together, having children, or ending a cohabiting relationship
Final Thoughts
Cohabitation may suit many modern relationships, but it comes with limited legal protection unless proper planning is in place. Without the legal safety net that marriage provides, cohabiting partners must be proactive in safeguarding their assets and arrangements—especially when children or property are involved.
If you are living with a partner or planning to do so, it’s wise to consult a family lawyer. A small investment in legal planning now can offer peace of mind and prevent costly legal battles in the future.
For family court representation and family law advice contact Stephanie Heijdra via sheijdra@winvolvedlegal.co.uk or 02071014682









