Phone: 0330 999 0959 | Email: admin@mediateuk.co.uk

Unmarried &
Cohabitation Separation

Mediate UK's cohabitation mediation service is for unmarried couples separating after living together, with a home, children or joint finances to sort out. There is no such thing as common law marriage in England and Wales, so your rights come from property law, mainly the Trusts of Land and Appointment of Trustees Act 1996 (TOLATA), and from the Children Act 1989 where there are children. More often, they come from what the two of you can agree. Our mediators are members of the Family Mediation Council.

Rated 4.8/5 from 715+ reviews
£500
Government Funded Up to £500 voucher towards mediation about your children
  • Sort out the house, the deposit and who owns what share
  • Agree child arrangements and child maintenance
  • Put your agreement in writing, in a form that can be used at court
Not sure where to start? The 15-minute call is free, with no obligation.

The law currently treats unmarried couples differently from married ones, and many people only find that out when they separate. However long you have lived together, and whether or not you have children, there is no automatic right to a share of your partner’s property, savings, pension or income.

What you are entitled to depends on who owns what, what was agreed or intended when you bought it, and what each of you contributed. Where there are children, there are separate rights that belong to the children rather than to the parent.

What you can decide together

  • Who keeps the house, or when and how it is sold
  • How the equity is split, and whether that reflects unequal deposits or contributions
  • What happens to a deposit that came from one of your families
  • Who pays the mortgage, rent and bills in the meantime
  • Arrangements for the children, and child maintenance
  • Joint debts, cars, pets and belongings

The law may be about to change

Reform of cohabitation law: where things stand

The government launched a consultation called “A fairer end to relationships” on 5 June 2026, proposing stronger financial rights for the more than 3.5 million unmarried couples living together in England and Wales. It ran for ten weeks and closed on 14 August 2026. The government will consider the responses before finalising policy, with reforms following when parliamentary time allows.

Nothing has changed yet. If you are separating now however, the law described on this page is the law that applies to you.

What is being proposed

  • A financial framework for separating cohabitants, which could include access to a share of a house sale
  • Automatic inheritance rights where a partner dies without a will
  • Greater weight given to domestic abuse, including controlling, coercive and economic abuse, when finances are decided
  • Making pre-nuptial and post-nuptial agreements legally binding

Who it would apply to

The government proposes that couples would need to have lived together for at least three years or share a child, with the court also satisfied that they were in an enduring family relationship.

The rights would be a distinct and different set from those available to married couples, rather than treating cohabitation as equivalent to marriage.

Reform is probably not a reason to wait. Any new law will take time to reach the statute book and will not apply to a separation happening now.

Source: A fairer end to relationships, Ministry of Justice. Last checked 26 August 2026.

Why choose mediation when you were not married?

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Confidential and without prejudice

Nothing said in mediation can be repeated in court. Financial proposals are made without prejudice, so you can safely test or discuss an idea without being held to it later. Only your financial disclosure is open, which means it can be shown to the court.
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Weeks or months, not years

Most financial cases settle in two to four joint sessions, usually across six to twelve weeks. Family courts are fighting a backlog that means cases are taking on average more than a year for the three hearings required for a final order.
Pound sign icon, fees and costs

A fraction of the cost of court

Mediation is charged per person, per hour, so you only pay for the time you use. A civil property claim between unmarried partners can run into tens of thousands, and the losing party can be ordered to pay the other side's costs too.
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You keep control of the outcome

In mediation, you and your ex-partner make the decisions. In court, a judge who has never met your family makes them for you, within a range you cannot predict. They have less discretion for arrangements than what you can agree between you.
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Accredited, insured and regulated

Every Mediate UK mediator is a member of the Family Mediation Council. Mediate UK holds a Legal Aid Agency contract, so clients who qualify pay nothing at all. We are a fully insured, regulated and multi award-winning mediation service.
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It can end with something legally binding

Mediation produces an open financial statement and a memorandum of understanding. These can be turned into a separation agreement, a declaration of trust or, where children are involved, a consent order. We offer these for a fixed fee.

One fixed fee, all the way to a separation deed

Our fixed fee separation deed package takes you from your first meeting to a legally drafted agreement. It covers your MIAM, financial disclosure, an Open Financial Summary, up to 4 hours of joint mediation, your memorandum of understanding, and an SRA-regulated family solicitor to draft the separation deed, that you then have witnessed. Full cost is £1,099 plus VAT per person, less whatever you have already paid for your mediation fees. There are no court fees, and ID checks are the only extra.
Separation Agreement

What can you sort out in cohabitation mediation?

Everything that came out of living together can be discussed, including:

  • The home: whether it is sold, whether one of you buys the other out, and who stays there meanwhile
  • Unequal deposits and contributions: what each of you put in, and whether that changes the shares
  • A property in one name only: what was said or intended at the time, and whether the other person has a claim
  • What your paperwork says: the deeds, any declaration of trust, and whether you own as joint tenants or tenants in common
  • The mortgage: who pays it now, and whether one of you can be released from it
  • Children: where they live, how time is shared, holidays and schooling
  • Child maintenance: how much, and whether you agree it privately or use the Child Maintenance Service figure
  • Provision for the children: including whether the home stays available to them
  • Joint debts and accounts: loans, credit cards, overdrafts and who services what
  • Everything else: cars, pets, furniture and possessions

How does the Mediation Process Work?

The process is straightforward and moves at a pace that suits you. Here is what happens, step by step.
1

Your MIAM

You each attend a Mediation Information and Assessment Meeting, separately and confidentially. Your mediator explains your options, checks that mediation is safe and suitable, and answers your questions.
2

Sharing the information

You both put the facts on the table: what each of you owns, what the property is worth, what the mortgage is, what each of you contributed, and any paperwork from when you bought it. Neither of you can negotiate properly without this.
3

Joint sessions

You meet together with your mediator, usually online. You work through the house, the children and anything else outstanding. Sessions usually last 90 minutes and most couples need two to four. Legal advice alongside can be helpful.
4

Your written outcome

Your mediator writes up what you have agreed and why, in a memorandum of understanding.
5

Making it binding

Depending on what you have agreed, that can become a separation agreement, a declaration of trust, or a consent order where children are involved. Mediate UK can arrange the drafting for you.

Start sorting out your separation

Book your MIAM online in a few minutes, at a time that suits you. If mediation is suitable, we will invite the other party afterwards.

Book Online

Do we have to be in the same room?

No. 95% of our mediation sessions happen online, and where being in the same space would be too difficult, we use shuttle mediation, where you stay in separate rooms and the mediator moves between you.

You join from home by video, so there is no travel, no waiting room, and no chance of arriving awkwardly at the same time. Shuttle mediation goes further. You are in separate rooms, or on separate calls, and your mediator carries the questions, offers and replies between you. The hourly rate is the same, though a shuttle session usually runs to two hours rather than 90 minutes, because everything has to be relayed twice.

That is why we suggest a joint session first where it is safe and comfortable to do so, as it is usually quicker and costs less. Your mediator will talk this through with you at your MIAM, and you decide together which format suits you, so nothing is arranged without your agreement.

How much does cohabitation mediation cost?

Mediate UK charges per person, per hour, so a couple splits the cost of every session. There are usually three ways to pay.
Legal Aid

Free

with Legal Aid
If you qualify for legal aid, your MIAM and your mediation sessions are completely free.

We are a Legal Aid Agency contracted provider, so we can check and process this for you.

If you are eligible, the other party has their MIAM and first joint session covered under legal aid as well.
Check eligibility
Family Mediation Voucher

Up to £500

Government Voucher
The Family Mediation Voucher Scheme contributes up to £500 towards mediation on child-related issues. It does not need to be paid back, and it covers most child arrangements and grandparent contact cases.

This cannot be used if you are just discussing the property or finances (TOLATA).
Find out more
Pay as you go
No hidden fees

£120 +VAT

per person, per hour, online
Most parties pay individually for their mediation, with a session lasting 90 minutes.

The average cost of cohabitation mediation is £655 plus VAT, covering three 90-minute sessions and your MIAM.

Legal paperwork is charged at an additional fee.
Get started

All members of the Family Mediation Council

You will be guided by an experienced, fully trained mediator who specialises in cohabitation and TOLATA cases. Every mediator at Mediate UK is a member of the Family Mediation Council.
Rachel, Mediate UK team member
Rachel Poole
PPC, FMCA, CIM
Rachel is a highly skilled accredited family and child-inclusive mediator with extensive experience in complex financial cases, drawing on her career in the City’s finance sector. Her calm, balanced approach helps clients feel supported and understood throughout the mediation process. As a qualified child-inclusive mediator, Rachel can, where appropriate and with parental agreement, offer children a safe and supported space to express their thoughts and feelings as part of the process. Rachel is also a Professional Practice Consultant (PPC), a role that recognises her expertise and experience. As a PPC, she provides mentorship, guidance, and supervision to both newly qualified and accredited mediators, helping to develop the next generation of practitioners.
Rachel, Mediate UK team member
Rachel Poole
Accredited Family Mediator
PPC, FMCA, CIM
Rachel is a highly skilled accredited family and child-inclusive mediator with extensive experience in complex financial cases, drawing on her career in the City’s finance sector. Her calm, balanced approach helps clients feel supported and understood throughout the mediation process. As a qualified child-inclusive mediator, Rachel can, where appropriate and with parental agreement, offer children a safe and supported space to express their thoughts and feelings as part of the process. Rachel is also a Professional Practice Consultant (PPC), a role that recognises her expertise and experience. As a PPC, she provides mentorship, guidance, and supervision to both newly qualified and accredited mediators, helping to develop the next generation of practitioners.
Chris Yaffes FMCA Headshot Mediator Mediate UK
Chris Yaffes
FMCA, CIM
Chris is an accredited family mediator and child-inclusive mediator with over a decade of experience, having practised since 2013. A key focus of his work has been supporting expatriate, transnational, and international couples, drawing on his own diverse cross-cultural background. Chris originally trained as a lawyer in South Africa, where he practised family and criminal law before relocating to New York. There, he pursued a Master’s degree in International Relations and transitioned into the non-profit sector, working as a writer, researcher, and documentary film producer. In 2011, Chris moved to the UK and began his training as a mediator, combining his legal expertise, international perspective, and communication skills to help families work through complex separations successfully.
Chris is an accredited family mediator and child-inclusive mediator with over a decade of experience, having practised since 2013. A key focus of his work has been supporting expatriate, transnational, and international couples, drawing on his own diverse cross-cultural background. Chris originally trained as a lawyer in South Africa, where he practised family and criminal law before relocating to New York. There, he pursued a Master’s degree in International Relations and transitioned into the non-profit sector, working as a writer, researcher, and documentary film producer. In 2011, Chris moved to the UK and began his training as a mediator, combining his legal expertise, international perspective, and communication skills to help families work through complex separations successfully.
Kate Miller FMCA Headshot Mediator Mediate UK
Kate Miller
FMCA
Kate is an accredited family mediator with a strong legal background and extensive experience in mental health support. She holds a law degree and a master’s in International Human Rights Law and has worked for several years as both a paralegal and supervising paralegal. Kate has supported individuals through Citizens Advice and a Family Law Clinic, where she helped clients though complex personal and legal challenges. She is also a qualified Mental Health First Aider and is involved on a peer-led mental health support group dedicated to creating inclusive and supportive environments. Kate’s combination of legal expertise and understanding of mental health enables her to approach mediation with both practical insight and emotional awareness. She is committed to helping families resolve conflict constructively, ensuring that clients feel supported and respected as they work towards fair solutions during separation.
Kate is an accredited family mediator with a strong legal background and extensive experience in mental health support. She holds a law degree and a master’s in International Human Rights Law and has worked for several years as both a paralegal and supervising paralegal. Kate has supported individuals through Citizens Advice and a Family Law Clinic, where she helped clients though complex personal and legal challenges. She is also a qualified Mental Health First Aider and is involved on a peer-led mental health support group dedicated to creating inclusive and supportive environments. Kate’s combination of legal expertise and understanding of mental health enables her to approach mediation with both practical insight and emotional awareness. She is committed to helping families resolve conflict constructively, ensuring that clients feel supported and respected as they work towards fair solutions during separation.
Meet the full mediation team ›

What families say about working with us

Rated 4.8 out of 5 from 715+ reviews. Here are a few words from clients we have helped.

“Just had a free initial meeting with Mediate UK and they were great in helping me identify potential ways to move forward with a separation situation.”

Anonymous – Reviews.co.uk Family mediation

“I found the service very helpful, and they were very understanding with the problems that I am having with my ex partner. They fitted the mediation around my work and the process is very smooth.”

Domenico D – Reviews.co.uk Family mediation

“I cannot rate Mediate UK high enough. Their help, guidance and support have been priceless. They have allowed us to go through the divorce proceedings with dignity and understanding of each other.”

Benedicte – Trustpilot Family mediation

Cohabitation and separation: common questions

No. Common law marriage does not exist in England and Wales and has not for centuries, despite most people believing otherwise. Living together for any length of time gives you no automatic rights to your partner’s property, savings, pension or income, and having children together does not change that. Your position depends on what you own, what you both intended when you acquired it, and what you can agree. This is the single biggest surprise for separating couples who were never married, and it is why getting things sorted properly matters.

Broadly, you are entitled to what you own, plus any share of jointly owned property, plus anything you can establish you have a beneficial interest in. You cannot claim maintenance for yourself, a share of your partner’s pension, or a share of assets simply because the relationship lasted a long time. Where there are children, the position is different, because they have rights to be supported and housed. Everything else comes down to property law and evidence, which is why an agreement you both accept is usually a far better outcome than an argument about it.

You may still have a claim, but you will need to establish it rather than assume it. The question is whether there was a shared intention that you would have a share in the property, and whether you acted on that, for example by contributing to the deposit, the mortgage or substantial improvements. Evidence matters: messages, emails, bank transfers and anything said at the time. This is exactly the kind of dispute that becomes ruinously expensive in court and is usually resolvable in mediation, where both of you can look at the facts honestly rather than paying solicitors to argue about them.

No. There is no spousal maintenance between unmarried partners, however long you lived together and whatever you gave up during the relationship. This often comes as a shock to someone who stopped working or reduced their hours to look after children. What can be claimed is support for the children, which includes child maintenance and, in some cases, provision to house them. Those claims belong to the children rather than to you, and they end when the children are grown.

Usually yes, if he is named on the birth certificate. Fathers who were not married to the mother acquire parental responsibility by being registered on the birth certificate for children born on or after 1 December 2003. Where that did not happen, it can be obtained by a written parental responsibility agreement with the mother, or by applying to court. Parental responsibility is separate from where the children live and how much time they spend with each parent, and all of those can be agreed in mediation.

It is the court route for arguing about property ownership between people who were not married, brought under the Trusts of Land and Appointment of Trustees Act 1996. The court decides who owns what share, and it can order a sale. Two things make it unattractive. It is a civil claim rather than a family one, so the loser can be ordered to pay the winner’s legal costs on top of their own. And the court can only rule on ownership, so it cannot make the sort of needs-based adjustments a divorce court can. Most people are better served by agreeing a figure than by risking that.

Yes, though the document is different from the one married couples use. Depending on what you have agreed, it might be a separation agreement setting out what happens between you, a declaration of trust recording the shares in a property, or a transfer of equity. Where there are children, arrangements can be recorded in a consent order. Each of you should take independent legal advice before signing, because that is a large part of what makes an agreement stand up. We can arrange the drafting once you have reached agreement in mediation.

Unmarried partners do not inherit automatically. If your partner dies without a will, the intestacy rules pass their estate to their children or other relatives, and you receive nothing however long you were together. You may be able to bring a claim as a dependant, but that means going to court. How you own a property matters too: joint tenants pass automatically to the survivor, tenants in common do not. It is worth reviewing wills, property ownership and any death in service or pension nominations as part of separating, and again afterwards.

If you are still together, yes, and it is the single most useful thing you can do. A cohabitation agreement sets out what happens if you separate, and a declaration of trust records the shares each of you owns in a property, which is particularly valuable where the deposits were unequal or one family contributed. They avoid exactly the arguments this page is about. If you are already separating, the equivalent is a properly drafted separation agreement recording what you have decided.

Yes. Child maintenance has nothing to do with whether the parents were married. Both parents are responsible for supporting their children financially, and the amount is based on the paying parent’s income, the number of children and how many nights they stay overnight. Most parents agree it between themselves using the Child Maintenance Service calculator as a reference point. You can agree it in mediation and record it in writing, and either of you can go to the Child Maintenance Service later if the arrangement stops working.

Ready to sort things out?

Most couples reach agreement within a few months, for a fraction of what a court claim would cost. Book your MIAM to get started, or take a free 15-minute call first if you would rather talk it through.

Need something specific? Book an urgent MIAM, check your legal aid eligibility, or call us on 0330 999 0959.

Contact us to find out more about why mediation can help your case. 0330 999 0959 or email admin@mediateuk.co.uk.
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