Even if you’re not married, there are ways to make sure you and your partner are protected. You might consider:

• A Cohabitation Agreement – to set out your financial arrangements while you live together.
• A Declaration of Trust – to clarify who owns what if you buy property together.
• Wills – to ensure your wishes are followed and your partner is provided for.

Taking these steps can give you peace of mind and help avoid misunderstandings or costly disputes in the future.

Yes. Unlike married couples, gifts between unmarried partners are not exempt from inheritance tax. This can create significant financial strain if the estate exceeds the Nil Rate Band.

Yes. A declaration of trust records how much each partner owns and ensures contributions are recognised. Without one, the presumption is that ownership is equal.

No. There is no such thing as a common-law marriage in England and Wales. Unless you are married or in a civil partnership, you do not automatically have rights over your partner’s property or estate.

Unmarried partners are not included in the intestacy rules. You would only inherit joint assets, not anything held solely in your partner’s name. To protect your future, making a Will is essential.