Call us: 0161 928 3201
Email us: Click Here

News, Blog & Updates

Property Ownership Considerations for Cohabiting Couples

Property Ownership Considerations for Cohabiting Couples

#Suggestions for cohabitating couples

Are you and your partner considering taking the leap into owning a property together? While this journey can be exciting, it’s essential to consider the legal aspects that come into play, especially when you’re not married. Here are some property ownership considerations for cohabiting couples:

  1. Shared Goals and Objectives
    Consider long-term goals, not only relationship goals like getting engaged and married, but financial goals and what you each consider will happen with this property in the future. Ensure both partners’ long-term goals are aligning is key.
  1. Legal Ownership
    Deciding on how the property will be legally held is a very important consideration. Where individuals purchase a property together, there are two ways in which this property can be held: as Joint Tenants, or Tenants in Common. As Joint Tenants, you and your co-owner do not own specific shares in the property, regardless of the financial contributions each of you have made towards the purchase price, you both own the whole of the property. If one of you dies, they cannot pass their interest to anyone else through their Will, the surviving owner automatically becomes solely entitled to the whole of the property. Alternatively, you can opt to own the property as Tenants in Common. This means that you and your co-owner each own a distinguishable share of the property. These shares can be equal, i.e. 50% / 50% or can be unequal, i.e. 75% / 25%, to take into account the difference in the financial contributions made when buying the property. This distinction is important has it will have a significant impact on the way the property will be dealt with on sale or death.
  1. Financial Contributions
    Discuss how to handle the financial aspects, including the initial deposit, mortgage payments, ongoing expenses, and how renovation and repair works will be paid for. Be clear about each partner’s financial responsibilities and contributions.
  1. Legal Considerations
    Unmarried cohabiting couples do not enjoy the same legal protections as married couples. It’s advisable to explore legal safeguards, such as cohabitation agreements, which can clarify your legal rights and responsibilities in the property. Seek legal advice or guidance from our solicitor specialist family law team.
  1. Exit Strategies
    While it’s not a pleasant topic, it’s crucial to address what happens if the relationship ends or if one partner passes away. Having an exit strategy in place can save you from legal complications down the road.

Investing in property as a cohabiting couple can be a smart financial move, but it’s important to consider carefully beforehand. Seek legal guidance to ensure your property is protected and beneficial for both of you. To learn more about property ownership for cohabiting couples, don’t hesitate to contact us on 0161 928 3201 or email This email address is being protected from spambots. You need JavaScript enabled to view it. for expert advice. Our team at Hill and Company Solicitors is here to assist you.

Altrincham Family Law Cohabitation Living together unmarried couples property investment

Conveyancing Quality

E Mail

Click here

Hill and Company Solicitors

4-8 Market Street, Altrincham

Cheshire WA14 1QD


0161 928 3201*


Hill and Company Solicitors in Altrincham Cheshire, offer a wide range of legal services. Our departments are headed by experienced senior solicitors who are specialists in their areas of Law.
Don’t hesitate to contact us for further details of our services or if you have a legal matter we can help you with.
We have a limited number of appointments each week, so please get in touch to arrange an appointment.