What Rights Do Unmarried Couples Have When They Split?

Posted 10 Feb, 2026

Key Takeaways

• There is no "common law marriage" in England and Wales
• Unmarried partners have no automatic property rights regardless of how long they lived together
• Property ownership depends on whose name is on the title
• Cohabitation agreements can provide protection

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Do unmarried couples have the same rights as married couples?

No. Unmarried couples have far fewer legal rights than married couples. When an unmarried relationship ends, there is no family court process to divide assets fairly.

The phrase "common law marriage" has no legal meaning in England and Wales. It does not matter that you:

• Lived together for 20 years
• Have children together
• Called each other husband and wife
• Shared all your finances
• Contributed to the mortgage

Without marriage or civil partnership, you have no automatic right to your partner's assets.

Who owns the property?

For unmarried couples, property ownership depends entirely on whose name is on the legal title registered with the Land Registry.

Property in one person's sole name:

If the property is in your partner's sole name, you have no automatic claim to it, even if you:

• Paid towards the mortgage
• Contributed to renovations
• Lived there for years
• Raised children there

Property in joint names:

If you own property together, the outcome depends on how you hold it:

• Joint tenants — you each own the whole property together; if one dies, the other inherits automatically
• Tenants in common — you each own a specific share (e.g., 50/50 or 60/40); your share can be left to anyone in your will

If you are tenants in common but never formally agreed your shares, disputes can become complicated and expensive.

Do children change anything?

Having children together does not give you a claim on your partner's property.

However, you can make an application under Schedule 1 of the Children Act 1989 for financial provision for your children. This can include:

• A lump sum for the children's benefit
• Transfer of property for the children to live in
• Regular maintenance payments

Importantly, Schedule 1 provision is for the children's benefit, not yours. Property transferred under Schedule 1 typically reverts to the other parent when the children reach adulthood.

What claims might be possible?

If you believe you have a financial interest in property despite not being on the title, you may need to bring a claim based on trust law. These claims are complex and expensive.

Constructive trust claims require you to prove:

1. There was a common intention that you would share ownership
2. You relied on this to your detriment (e.g., gave up your own home, paid towards the mortgage)

Resulting trust claims can arise where you contributed to the purchase price.

These claims are difficult to prove without clear evidence and can take years to resolve through the courts.

How can unmarried couples protect themselves?

Before moving in together:

• Cohabitation agreement — a contract setting out how property and finances will be divided if you separate
• Declaration of trust — if buying property together, clearly recording your respective shares

When buying property:

• Ensure both names are on the title if you both contribute
• Agree your shares in writing as tenants in common
• Consider how the deposit is treated

During the relationship:

• Keep records of financial contributions
• Update your will to provide for your partner
• Consider life insurance naming your partner as beneficiary

Alternative:

• Marriage or civil partnership provides automatic legal protections

How Endeavour Law can help

At Endeavour Law, we advise unmarried couples on protecting their interests. Whether you are moving in together, buying property, or facing separation, we can help you understand your position and options.