Buying a House With a Partner Unequal Deposits
September 2025
Buying a home together is an exciting step for any couple. But what happens when one partner puts in a larger deposit than the other? In England and Wales, the law does not automatically protect unequal contributions unless the arrangements are clearly recorded. Without the right steps, one partner may risk losing out if the relationship breaks down.
This summary provides general information and does not constitute legal advice on any individual circumstances.
Why Unequal Deposits Matter
It is increasingly common for one partner to contribute more to a deposit, often with help from parents or family members. While this may feel straightforward at the time, difficulties can arise later if ownership is not set out properly. If the property is sold after a breakup, the starting point in law is usually an equal split — even if one person put in far more at the beginning.
The “Bigger Deposit Is Always Protected” Myth
Many people assume that if they put in the bigger deposit, they will automatically get it back if the relationship ends. In England & Wales, this is not the case. Unless the arrangement is recorded in writing — for example, in a declaration of trust — the law may treat both partners as owning the property equally.
Joint Tenants or Tenants in Common
When buying together, couples can choose how to hold the property. If they buy as joint tenants, they both own the property equally, meaning the equity is split 50/50, regardless of who paid what. If they buy as tenants in common, they can specify different shares, such as 70/30, to reflect unequal contributions. This option is often better when deposits are unequal and needs to be set out in writing when the property is purchased.
Protecting Contributions With a Declaration of Trust
A declaration of trust is a legal document that records how much each person contributed to the purchase and how the equity should be divided if the property is sold. It can be tailored to reflect deposits, mortgage payments, or other financial contributions. Without this document, it can be very difficult to prove who should get what back if the relationship ends.
The Role of Cohabitation Agreements
A cohabitation agreement can go further than a declaration of trust. It not only deals with ownership of the property but also sets out how bills, mortgage payments, and other expenses will be shared while living together. It can also cover what happens if one person wants to sell or move out in the future. Having this agreement in place provides clarity for both partners and reduces the chance of disputes later.
Why Clarity Is Important
Talking about money and ownership might feel uncomfortable at the start of a relationship, but it is an important step in protecting both partners. Without clear agreements, disputes can quickly become stressful and expensive to resolve. By setting out arrangements in writing, both partners know where they stand, and family members who may have helped with the deposit can also feel reassured that their support is protected.
Looking Ahead
Buying a house together is a big commitment. If one partner is contributing a larger deposit, it is important to make sure this is recognised legally. Choosing the right ownership structure, having a declaration of trust, or putting a cohabitation agreement in place can make all the difference in protecting your investment and avoiding disputes.
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