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.
- 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
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?
Confidential and without prejudice
Weeks or months, not years
A fraction of the cost of court
You keep control of the outcome
Accredited, insured and regulated
It can end with something legally binding
One fixed fee, all the way to a separation deed
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?
Your MIAM
Sharing the information
Joint sessions
Your written outcome
Making it binding
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.
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?
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.
Up to £500
This cannot be used if you are just discussing the property or finances (TOLATA).
£120 +VAT
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.
All members of the Family Mediation Council
What families say about working with us
“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.”
“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.”
“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.”
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.