When a couple separate, it can often be the case that the most valuable assets they have accumulated over the marriage, apart from the matrimonial home, are their pension benefits.
The following are some of our most frequently asked questions when it comes to property rights on divorce.
If you or your spouse have made a decision to separate, then unless the court has excluded one or other of you from living in the house, then you both have a right to live there on separation until these rights have been determined on divorce.
On divorce, the court can make a number of orders relating to the family home. The court can order that one of the couple can remain in the house for a certain period and can determine who should pay the mortgage (if there is one) over that period. The court can also make an order that the tenancy of the property can be transferred from joint names to one spouse, or from one of the spouses to the other, as long as the landlord consents.
If the family home is owned by one or both of the spouses, the court can transfer ownership from joint names to one spouse, or alternatively from one spouse to the other, always providing that if there is a mortgage, that the lender has approved of that.
The house a married couple live in is called a matrimonial home. Even if the property was bought by one of the couple, or rented by one of the couple before the marriage, it is still classed as a matrimonial home after marriage.
Sometimes, when a couple have made the decision to separate, they remain living in the matrimonial home, although separately. They agree how the mortgage/rent and bills are to be paid and continue living separately until their financial situation has been resolved.
However, more often than not, it is just not possible for a couple to continue living together for any significant length of time and they start to ask if one of them should move out of the matrimonial home.
The concern for many is if they move out, would that give their spouse who is staying an unfair advantage. However, as long as you can reach agreement as to who is to pay the rent, mortgage and other ancillary payments relevant to the house, there is no unfair advantage gained by the person remaining in the matrimonial home. The only drawback might be that if the person remaining in the matrimonial home does not co-operate with the marketing of the property for sale, then some difficulties might arise with viewings. But estate agents will often offer an accompanied viewing service if it is thought that there might be a reluctant seller.
Both spouses can remain in the matrimonial home until they are divorced unless there is a court order to the contrary. If only one of the couple owns the house, the spouse who does not have ownership will lose their right of occupation on divorce.
If one person pays the full mortgage payments, then they can seek to claim back the other person’s 50 per cent share in terms of an overall capital distribution. Or one party may agree that they will pay the mortgage in full rather than paying maintenance for the spouse and/or children. It is important to get agreement on this point, preferably in writing rather than having to argue about payments at a later date.
Mortgage payments should be a priority to avoid getting into debt with the lender, as then your future ability to get a mortgage will be affected. The lender may also try to repossess the property if payments are not kept up.
If you are joint tenants then you remain responsible for paying rent unless or until the Tenancy Agreement has been transferred to the other person’s name only with the agreement of the landlord.
If you cannot reach agreement as to who is to pay the bills on separation, then the court can intervene by making orders for payment of the mortgage and related insurances.
Matrimonial property includes all property, for example, savings, shares, furniture, vehicles, investments and buildings and land. The matrimonial home, is the house in which you lived together as a married couple. Matrimonial property and matrimonial home are not the same thing and while matrimonial property is property owned by one spouse or by both jointly, the matrimonial home can be a property owned by a landlord and tenanted by the couple jointly or individually.
If you are concerned about your pension rights and entitlements on divorce or civil partnership dissolution, talk to a Family Law Solicitor. Our expert team can advise you on your pension rights and how best to proceed for your circumstances.
We are also able to help with alternative dispute resolution to assist separating couples come to an amicable agreement on matters arising from their separation and avoid costly court actions.
At Thorntons Family Law, we offer an initial free no-obligation chat over the phone to outline your options and the possible costs.
Depending on your case and circumstances, the next step is to come into one of our local offices to meet a Family Law Solicitor about your case and the way forward.
Call us on 03330 430 150 for a chat or contact us to book an appointment.
We are always clear to clients about the potential costs of any option and offer a range of payment options. In some cases we can offer clients a fixed price package. If we cannot offer a fixed price service, we charge based on the time we spend on your case, including meetings, emails, phone calls and court representations. Depending on your case and circumstances, you may also need to cover outlays, such as court costs or payments to independent experts. We will set out our fees and likely extra costs for you at the start and keep you informed of any possible changes as your case progresses.
Please note we do not offer Legal Aid for this service.
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