MortgagesJun 23 2020

Rights that unmarried couples do and don't have

  • Describe the differences in property ownership between married and unmarried couples
  • Explain how property ownership is determined in the case of unmarried couples
  • Summarise how child maintenance is determined
  • Describe the differences in property ownership between married and unmarried couples
  • Explain how property ownership is determined in the case of unmarried couples
  • Summarise how child maintenance is determined
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CPD
Approx.30min
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Approx.30min
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Rights that unmarried couples do and don't have

The CMS applies a set formula depending on the level of the non-resident parent's income, the number of children involved, and how much time they spend with each of their parents.

The CMS formula does not take into account any income over £156,000 gross a year, but an application can be made to the court to "top up" child maintenance where the non-resident parent's income is in excess of this amount.

Child maintenance is payable until the child is 16 or leaves secondary education, whichever is the later. Parents are also free to agree maintenance arrangements between themselves.

Under Schedule 1 of the Children Act 1989, parents may be ordered to make capital provision for the benefit of their children. This could take the form of a lump sum payment, or a transfer or settlement of property in favour of a child.

Importantly, these are not payments in favour of a former unmarried partner. Any decision is at the court's discretion, but it will be guided by the six-point checklist set out in the 1989 Act.

The key elements that tend to be most relevant in these cases are the financial resources and the needs of the parties and the child, both now and in the foreseeable future, whether the child has a disability, the manner in which the child was being or was expected to be educated or trained.

In the current financial climate, a common question is whether a reduction in the paying parent's income would justify them reducing their child maintenance payments.

If maintenance is being paid through the CMS, they reassess maintenance annually or if income has changed by more than 25 per cent.

Otherwise, the existing calculation must continue to be paid.

If you are paying child maintenance under a court order, you can apply to a court to reduce your maintenance obligations or agree a variation with the other party. 

It would, however, be prudent to take legal advice before embarking on such an application and, if possible, to try to reach a temporary solution by agreement together.

However, it is important that any agreement is recorded in writing, so that it can be converted into a court order if necessary.

Property- TOLATA

If unmarried separating parties jointly own, or have both financially contributed to a property, then the court will be able to determine their respective interests in that property.

However, those interests, are determined by the laws of property ownership, which are restrictive. This is different from the position if the couple are married.

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