This answer is written by AI. The information provided in this response is intended for general informational purposes only and should not be considered as legal advice. Do not rely solely on the information provided in this response for any legal decisions. Consult with a qualified legal professional before making any decisions.

What Should Unmarried Couples with Joint Mortgages and Children Know When Seeking Separation in the UK?

Question from ant, What Should Unmarried Couples with Joint Mortgages and Children Know When Seeking Separation in the UK?

Answer from AI:

Separation can be a complex process, especially when it involves joint mortgages and children. Here are some general points to consider:

Joint Mortgages

When an unmarried couple with a joint mortgage separates, both parties are still legally responsible for the mortgage payments. If one party stops making payments, the other must cover the full amount. If payments are not made, the property could be repossessed by the lender.

Property Rights

If the property is owned jointly, both parties have equal rights to stay in the home. If one party wants to sell the property and the other does not, they may need to go to court to resolve the issue.


When it comes to children, the primary concern is their welfare. The law in the UK prioritises the child’s best interests. Parents are encouraged to agree on arrangements for the children, including where they will live and how much time they will spend with each parent. If parents cannot agree, they may need to go to court and a judge will make the decision.

Legal Advice

It’s important to seek legal advice in these situations. A solicitor can help you understand your rights and responsibilities, and can guide you through the process of separation.


There are several resources available to help you navigate this process:

  • Citizens Advice provides free, confidential advice on a range of issues, including separation and divorce.
  • The Legal Aid Agency can provide financial assistance for legal advice and representation, depending on your financial circumstances.
  • The Resolution website has a directory of family solicitors who can provide advice and assistance.

Remember, this information is general in nature and may not apply to your specific situation. It’s always best to consult with a legal professional for personalized advice.

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