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Cohabitation Agreement Editor

Fill in the details below to generate your customised UK cohabitation agreement

👤 Partner 1 Details

👤 Partner 2 Details

📅 Agreement Details

When you started or will start living together
The property where you will live together

🏠 Property Ownership ? This section defines who owns the shared property. This is crucial - without clear ownership terms, disputes can be very difficult to resolve.

? Sole ownership: One partner owns the property outright. Joint tenants: Equal shares, passes to survivor on death. Tenants in common: Can have unequal shares, can leave share to anyone in will.
Unequal shares are typically used when one partner contributes more to the deposit, mortgage payments, or property value. This protects both parties' investments.

💷 Financial Contributions

? Record the deposit each partner contributed when purchasing the property. This is important evidence of ownership shares.
? How mortgage payments are split can affect beneficial ownership. Document this clearly to avoid disputes.

📊 Household Expenses

? Choose how you'll split bills, groceries, council tax, utilities, and other regular household costs.
Partner 2 will contribute the remaining percentage
? A joint account for bills can simplify household expense management. Both partners should contribute to it regularly.

🔒 Separate Property Protection ? Assets owned before the relationship or received as gifts/inheritance during the relationship can be protected as separate property.

These assets will remain the sole property of the named partner and will not be subject to division if the relationship ends. Both partners should keep evidence of ownership.

💳 Debts and Liabilities

? Decide how debts will be treated. Pre-existing debts usually stay with the person who incurred them. Joint debts during cohabitation need clear allocation rules.

👨‍👩‍👧 Children

? How will costs for children (childcare, education, activities, etc.) be shared? This is separate from general child maintenance obligations.
Important: Courts have the final say on children's arrangements. Any terms in this agreement relating to children can be overridden if not in the child's best interests. Child maintenance is governed by the Child Maintenance Service.

🐕 Pets

📋 Separation Provisions

? This is the minimum notice one partner must give the other before moving out. It allows time to make alternative living arrangements.
? If the property needs to be sold on separation, this sets a reasonable timeframe to complete the sale.
? Allows one partner to buy out the other's share before the property is sold on the open market.

📜 Death and Inheritance ? Unmarried partners have NO automatic inheritance rights. Without a will, your partner may receive nothing. These provisions work alongside your wills.

? What happens to the property share on death. This should align with your wills. Joint tenants automatically pass to survivor; tenants in common can leave their share to anyone.
Critical: This agreement does NOT replace the need for a will. Both partners should make wills to ensure their wishes are legally binding. Without a will, your partner may inherit nothing under intestacy rules.

⚖️ Dispute Resolution

? Choose how disputes about this agreement should be resolved before going to court. Mediation is often faster and cheaper than litigation.

🔄 Review and Variation

? Schedule regular reviews to ensure the agreement still reflects your circumstances. Life changes (children, job changes, inheritance) may require updates.
Any variations to this agreement must be in writing and signed by both partners to be valid. We recommend reviewing after major life changes such as: having children, significant income changes, purchasing additional property, or receiving an inheritance.

📋 Legal Advice Declaration

? While not legally required, having independent legal advice significantly strengthens the agreement's enforceability. Each partner should ideally see a different solicitor.
Recommendation: Both partners should obtain independent legal advice before signing. This strengthens enforceability and ensures both parties fully understand their rights and obligations.

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