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Cohabitation Agreement

6 replies

HollyIvy89 · 24/09/2026 19:28

Who has a cohabitation agreement. Why did you get one? How has it been received by OH? How much did it cost?

I am in Scotland. Background is purchasing a home with partner. Unequal equity split in my favour. No mortgage will be required. Which for him will be a benefit. For me it will be same as.

I have 2 children and the equity in the home is their inheritance in my will to go to them.

he has no children. An elderly mother and sisters that I don’t think he would want his estate to pass to.

How do I respectfully structure a cohabitation agreement that protects the kids in my death and us all if we seperate. Partner highly understanding that my part is the kids inheritance.

I was thinking of adding him to my death in service/ pension beneficiary as he has me on his.

I also need confirmation from him that if he dies the house comes to me so that the kids have a home.

It’s such a hard topic to navigate. I come into the relationship with more finance than he does but he is set to benefit now on having increased disposable income which I hope he invests well to have his own pot of money.

Love you hear experiences and opinions.
any hints and tips pls

it’s taken me a long time to trust again having being burnt in marriage.

OP posts:
ChilledProsecco · 24/09/2026 21:14

I didn’t & wish I had!

It’s a really good idea you are thinking this way & a family law solictor will keep you right about the legalities.

MeridaBrave · 24/09/2026 22:29

Who does he plan to leave his assets to when he dies? Other than you I mean?

NorthernJim · 24/09/2026 22:33

You need a deed/declaration of trust and to register the property ownership as joint tenants. Cohabitation agreement is practically worthless in this regard.

HollyIvy89 · 27/09/2026 19:21

MeridaBrave · 24/09/2026 22:29

Who does he plan to leave his assets to when he dies? Other than you I mean?

Me majority, maybe my kids. Possibly a small amount to sisters

OP posts:
HollyIvy89 · 27/09/2026 19:22

NorthernJim · 24/09/2026 22:33

You need a deed/declaration of trust and to register the property ownership as joint tenants. Cohabitation agreement is practically worthless in this regard.

Title deeds will state the split but apparently need cohabitation minute of agreement to detail the finer arrangements

OP posts:
Beebumble2 · 28/09/2026 09:11

NorthernJim · 24/09/2026 22:33

You need a deed/declaration of trust and to register the property ownership as joint tenants. Cohabitation agreement is practically worthless in this regard.

This, see a solicitor to draw up the Deed of Trust. Our DS did this and it was vital when he separated from his partner.

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