Cohabitation Agreement — Word & PDF Template

This cohabitation agreement helps an unmarried couple living together record how they share their home, finances and possessions. It clarifies who owns what and what happens if the relationship ends, giving both partners certainty.

Who is this template for?

It is intended for unmarried couples living together, or about to move in together, in England and Wales. Use it to set out financial arrangements and protect each partner’s interests outside marriage or civil partnership.

What does the template include?

The agreement is organised into clearly numbered sections:

• Important notice — explains the nature and status of the agreement.
• Parties — identifies the couple.
• Date of cohabitation — when they began living together.
• The shared home — ownership and occupation of the home.
• Financial contributions to the home — who pays what.
• Personal property and assets — individual belongings.
• Savings and investments — how these are treated.
• Debts — responsibility for liabilities.
• Children — arrangements for any children.
• What happens if the relationship ends — separation arrangements.
• Review — revisiting the agreement.
• Independent legal advice — recommendation to take advice.
• Governing law — England and Wales jurisdiction.
• Signatures — execution by both partners.

Easy to customise

The template works in Microsoft Word, Google Docs and LibreOffice. Fill in the highlighted fields, set out your financial arrangements and remove anything that does not apply.

Format and scope

Supplied as an editable Word (.docx) file and a ready-to-print PDF, formatted to A4. Written in plain British English with light, general references to England & Wales law.