Sit down together
One screen, both of you. Answer as a couple, out loud.
Agree what's fair, before you buy together
For unmarried couples in England and Wales. Putting in different amounts? Talk it through free in 10 minutes, then put it in writing.
Coming soon£49 per couple£24.50 each
No sign-up, no account
Saved as you go, on your device
About the home, the deposit and the money
The questions every couple buying together runs into
Plain answers for England and Wales. Fewer than half of the people we surveyed knew that living together doesn't give you the rights married couples have (18 of 39, September 2026).
We trust each other. Do we need this?
It's not about trust. With nothing in writing, the law's default rules apply, and showing later what you both meant is hard and costly.
Your rights as an unmarried coupleOne of us is putting in more. Does the law take that into account?
Not automatically. Buy in both names with nothing written down and the starting point is usually equal shares, whatever each of you paid.
Try the deposit split calculatorJoint tenants or tenants in common?
Your conveyancer will ask. Joint tenants usually own it equally, and it passes to the other if one dies. Tenants in common can hold different shares.
Which one suits youParents are helping. Is it a gift or a loan?
Your lender will usually ask, and it matters to you both if you split. Agree it with them now and write down who it's for.
Gifted deposits and family loansWhat happens to the house if we split up?
If you own it together and can't agree, either of you can ask a court to decide. Agreeing now who can stay, and what they pay the other, is kinder to you both.
If one of us stays: calculatorWhat if one of us dies?
Without a will, an unmarried partner doesn't inherit anything automatically. A home you own as joint tenants still passes to the other, so how you own it matters too.
Unmarried couples, wills and the home
General information, not legal advice. Each answer is fact-checked; the guide gives the detail and sources.
Ten minutes, side by side.
Find your overlap
16 plain questions: the deposit, bills, savings, what if you split. Not sure? Say so and move on.
See where you stand
What you've decided, what's still open, and whether you need anything formal.
Not the right moment? Make it easy to come back to.
How your agreement counts
Built to be fair to both: it also sets out what the partner who put in less gets. Signed by you both, courts can take it into account. Steps 3 and 4 make it stronger.
Decide together
The free 10-minute conversation. Clear decisions, not just wishes.
Sign it, with a witness
A written agreement between you both. Courts can take it into account, so what you meant is on record.
The core stepGive the note to your conveyancer
Buying? They record your shares formally when you buy. The step that matters most for the house itself.
Optional, recommendedAdd a solicitor check
Independent advice and a review of your wording. Harder to challenge later.
Optional
Coming soon
Free to talk. £49 per couple to put it in writing.
The written agreement isn't on sale yet.
Solicitors' fixed fees we found: £899 to £1,860 including VAT for one partner, usually with advice (October 2026, see our cost guide).
£49per couple, one payment, no subscription. That's £24.50 each.
- Deposits, shares, mortgage and bills
- Big one-offs, savings and debts
- If one of you earns less
- Selling, moving or splitting up
- Plus a summary, signing guide and conveyancer note
Why not a template, or AI?
| Feature | Leave it to the default | Template or AI | Solicitor | CoHabit |
|---|---|---|---|---|
| You both decide, together | No | Usually one of you | Yes | Yes, built for it |
| Made for England and Wales | The law decides | Varies | Yes | Yes |
| Note for your conveyancer | No | No | Yes | Yes |
| Points you to a solicitor when it matters | No | No | Not needed | Yes |
| Cost | Free, but the law decides | Free or low cost | £899 to £1,860 | Free to talk, £49 per couple to put in writing |
| Feature | CoHabit |
|---|---|
| You both decide, together | Yes, built for it |
| Made for England and Wales | Yes |
| Note for your conveyancer | Yes |
| Points you to a solicitor when it matters | Yes |
| Cost | Free to talk, £49 per couple to put in writing |
Compare all options
You both decide, together
- Leave it to the default
- No
- Template or AI
- Usually one of you
- Solicitor
- Yes
Made for England and Wales
- Leave it to the default
- The law decides
- Template or AI
- Varies
- Solicitor
- Yes
Note for your conveyancer
- Leave it to the default
- No
- Template or AI
- No
- Solicitor
- Yes
Points you to a solicitor when it matters
- Leave it to the default
- No
- Template or AI
- No
- Solicitor
- Not needed
Cost
- Leave it to the default
- Free, but the law decides
- Template or AI
- Free or low cost
- Solicitor
- £899 to £1,860
Solicitors' fixed fees we found: £899 to £1,860 including VAT for one partner, usually with advice (October 2026, see our cost guide).
Buying together
One of you has a bigger deposit, or family is helping. Best done before you make an offer, while it's still just the two of you.
Coming soon
One of you owns the home
Not on the deeds but paying in? Know where you both stand.
Tell me when it's readyComing later
Getting married
Talk it through first, then take the thinking to a solicitor.
Tell me when it's readyQuestions about CoHabit
About the product itself. The legal questions are answered above, and in the guides.
All 31 guidesSigned by you both with a witness, it's a written agreement courts can take into account. Your conveyancer can also record your shares formally when you buy. A solicitor check adds extra certainty.
Mostly it's about the home and the money: the deposit, the mortgage and bills, and what happens if you sell or split. One question covers the car, furniture and pets.
You can, and we'll tell you when you should. Solicitors' fixed fees we found: £899 to £1,860 including VAT for one partner, usually with advice (October 2026). Most couples just need to decide clearly and write it down.
Yes. Your answers save as you go on your device, and you can change any answer. If you buy the agreement, you get free updates for 12 months.
The conversation is free, so you can see where you stand before paying anything. The written agreement isn't on sale yet.
The free conversation stays on your device. We never see it. If you buy the agreement, we keep it securely so you can update it, and you can delete it any time.