Family Law Specialist

Nicola Williams Solicitor

Nicola Williams Solicitor

Cheadle, Stockport,
Greater Manchester

What is a living together agreement?

What is a living together agreement?

A living together agreement simply spell out:

who owns the shares in any property;

any agreements over bills or mortgage payments;

what should happen if either of you is redundant, seriously ill or even dies;

what should happen if you get married or separate.

A living together agreement isn’t meant to cover every aspect of your life together but it will help you organise your finances and stand as evidence of what you own personally and what you have agreed to share or, equally important, what you have agreed not to share.

Sharing a mortgage and other bills

Moving in together often means putting in deposit money or taking on a new mortgage together.

Maybe you agree to share the bills or agree to take over half a debt.

Or does one of you pay for holidays and furniture on a credit card whilst the other pays the household bills and mortgage?

What sort of contributions count towards a share of property?

For unmarried couples, who live in a property owned by just one of them, it is possible for the other to acquire and interest by making a financial contribution to their life together.

There is, unfortunately, no family law legislation that specifically deals with unmarried couples who live together.

The rules and laws that apply to this type of situation are general property and contract laws.

The courts do their best to interpret these laws in a way to achieve fairness for couples who fall out. And the first thing that they will always look for is any documentary evidence of an agreement.

For more information on this read here.

Prove what you agreed

Family law agreements are often a safety net for the unknown or unpleasant. Whether that is proving how much tax you owe or avoiding a potential dispute over money.

Families make agreements all the time. They lend each other money. They gift all sorts of property, jewellery, family heirlooms and so on.

People, generally speaking, own more now than their ancestors did.

It isn’t enough nowadays to rely on a verbal agreement. There’s too much at stake. Misunderstandings are too expensive.

It’s more important than ever to record significant agreements in writing.

Deed of Trust

A cohabitation or living together agreement will often contain a declaration of trust over your property.

This is particularly useful if you have contributed to the purchase of property in unequal shares. Or, if you have had help to buy from a family member.

Providing there is no conflict of interest between you and no history of domestic violence in your relationship, I will work with you together as a couple.

This means that you will not need to instruct separate solicitors as long as you are both absolutely agreed on the terms of the agreement (and remain so).

How much does a straightforward living together agreement cost?

A living together agreement is an economical way to protect your property.

Examples of factors affecting cost are whether:

a property is in one person’s name or two;

you need a declaration or deed of trust;

you own more than one property;

there are children;

you have a joint business or other joint bank accounts and other assets.

For more information on charges look here.

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Nicola Williams is a Family Law Solicitor in the AFG Law Family Team at Cheadle Royal Business Park, Brooks Drive, Manchester, Cheadle SK8 3TD