Here are some important facts to remember:

Couples that choose to live together rather than marry have no financial guarantee if it all goes pear shaped. For example, a couple contributing different amounts to a mortgage or deposit has no legal rights; the name on the title deed will receive the whole property, irrespective of the other persons investment.

National marriage statistics revealed there were 270,700 marriages in England and Wales in 2004, but there were 153,400 divorces. It also indicates the number of couples cohabiting in the UK is increasing.

Getting a trust deed through your solicitor when you buy a property is advisable so that shares of ownership are clearly defined. Its a very simple document and doesn't really cost anymore than £200.

A trust deed, specifying shares, also protects a parent who has helped their daughter or son with a deposit, as it will mean the money is returned to them if it is a loan.

It is not just splitting up that can put an unmarried partner at risk of losing money or becoming homeless. Should your loved one die and the property is not in your name, you risk losing your home to your partners be

Unlike married couples, who are somewhat protected even if their partner does not have a will, cohabiting couples would be very sensible to have a will.

A married couple also does not have to pay inheritance tax on any property or assets that pass between them.

Putting both names on the title deed will mean you are covered if things go wrong.

marriage is still the best option as it gives you rights to a property even if your name is not on the contract and you have not made any notable financial contribution