My name’s not on the deeds: do I still have a claim if we separate?

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When a cohabiting relationship ends, one of the biggest sources of anxiety is the family home — especially if your name isn’t on the deeds.

You may have lived there for years, paid towards the mortgage, contributed to renovations, or supported the household in less visible ways. Yet, unlike married couples, cohabitants don’t have automatic financial rights. That gap between what feels fair and what the law actually recognises can be deeply unsettling.

In this episode, we unpack what really happens when you separate as cohabitants and your name isn’t on the title deeds. We explore what claims may still be available, what protections exist, and what practical steps you can take if you find yourself in this position.

I’m joined by Richard Shaw, Senior Associate in the London family law team at Irwin Mitchell. Richard has extensive experience across the full spectrum of family law, including cohabitation disputes, divorce, civil partnerships, complex financial remedies, and cases involving unmarried parents — often with an international element.

Together, we answer some of the questions people worry about most, including:

If my name isn’t on the deeds, do I have any rights at all?
I’ve paid towards the deposit, mortgage, or renovations — does that give me a claim?
How can I have my interest in the property formally recognised?
Can I force a sale of the property or a buyout?
What if I want my partner’s name removed from the deeds?
And what happens if there’s a joint mortgage?

If you’re living with a partner — or separating from one — this episode will help you understand where you stand legally and what options may be open to you.

🎧 Listen now and get clarity on your rights when your name isn’t on the deeds.