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Common Law Separation in Ontario: What Brampton Couples Need to Know

Common Law Separation in Ontario: What Brampton Couples Need to Know

Common law separation can be confusing because many people assume the legal rules are identical to those that apply to married couples. They are not. If you live in Brampton and are separating from a partner you were not married to, you may still need to address parenting arrangements, child support, spousal support, property, and debt. The practical issues often look the same as any other breakup, but the legal framework governing those issues can be very different from what applies to married spouses.

Understanding Common Law Relationships in Ontario

In everyday conversation, “common law” often just means you live together. In Ontario family law, the meaning depends on what issue you are talking about.

For spousal support claims under Ontario’s Family Law Act, a “spouse” can include unmarried partners if they cohabited continuously for at least three years, or if they have a child together and lived in a relationship of some permanence. 

That definition is important because it can open the door to a spousal support claim, even if you were never married.

But here’s the big twist: property division rules that apply to married spouses (like equalization of net family property) generally do not apply to unmarried spouses. Ontario’s own public information is clear that common law partners typically keep the property they own and do not automatically share the increase in value the way married spouses do. 

So, common law separation often involves:

Creating a written separation agreement to lock down terms

Ten Practical Steps to Take After a Common Law Separation

If you’re in Brampton and separating, a steady first plan usually beats a rushed one. Here are ten practical steps:

  • Decide your separation date (and write it down). It matters for financial snapshots, support calculations, and timelines.
  • Gather financial documents. Pay stubs, tax returns, bank statements, mortgage statements, credit cards, lines of credit, vehicle financing, benefit statements, pensions, and any business records.
  • List what you each own and what you each owe. Title and account ownership matter a lot for common law couples.
  • Avoid draining accounts or changing passwords in a panic. Big unilateral moves can create problems fast.
  • If kids are involved, stabilize their routine first. School, daycare, activities, pick-up and drop-off, communication rules.
  • Run a child support reality check. Even with shared parenting, support may still be payable.
  • Think about housing. For common law couples, the rules around possession of the home are not the same as for married spouses.
  • Consider mediation. It can be a structured way to resolve issues without turning everything into a fight.
  • Get independent legal advice before signing anything major. Especially if there is real estate, pensions, significant debt, or support.
  • Put the agreement in writing. A verbal deal is fragile.

Property Division Rules for Common Law Partners

A lot of Brampton couples are shocked to learn this: separating common law partners are generally not entitled to an automatic 50/50 division of the wealth accumulated during the relationship.

Ontario Government website explains it plainly: “Common law couples do not have the right to split an increase in value of the property they brought with them to the relationship.” 

So, what happens instead?

Most common law property outcomes start with ownership:

  • If the car is registered in one person’s name, it is usually that person’s asset.
  • If a bank account is in one person’s name, it is usually that person’s account.
  • If the home is in one person’s name, it is usually that person’s home.

That said, common law partners can still have claims in some cases, especially when one person contributed significantly to property owned by the other.

When Unjust Enrichment Claims May Apply

If one partner was enriched, the other suffered a corresponding deprivation, and there is no legal reason for that enrichment, courts can grant remedies. In Kerr v. Baranow, the Supreme Court of Canada discussed unjust enrichment and how a “joint family venture” can be a basis for a remedy in appropriate cases. 

In real-life terms, these claims can come up when, for example:

  • One person paid a large portion of the mortgage on a home titled only to the other partner
  • One person funded major renovations and increased the home’s value
  • One person made sustained contributions that helped the other accumulate assets

These cases are fact-specific and can be complex. If you think this applies to you, it’s worth getting legal advice early.

Housing Rights After a Common Law Separation

For married spouses, Ontario’s Family Law Act has special rules about the matrimonial home and possession rights.
Common law couples do not automatically get those same statutory possession rights.

That means if the home is in only one person’s name, the other person may not have the same built-in right to stay that married spouses often assume exists. 

Practical tip: if one person is moving out, many couples benefit from a short written interim agreement that covers:

  • Who stays in the home (and for how long)
  • How the mortgage, utilities, insurance, and repairs will be handled
  • Access for picking up belongings
  • If children are involved, parenting time and exchanges

Child Support Responsibilities for Unmarried Parents

If you have children, child support rules apply regardless of whether you were married.

The starting point is usually the “table amount” under the Federal Child Support Guidelines, based on the payor’s income and the number of children. 

Shared Parenting and the 40 Percent Parenting Time Rule

When each parent has the children at least 40% of the time, section 9 of the Guidelines applies. In Contino v. Leonelli-Contino, the Supreme Court of Canada explained that once the 40% threshold is met, the court considers the factors listed in section 9 to determine the amount of support, and it is not purely automatic math. 

In day-to-day negotiations, many parents talk about “set-off” support (the difference between two table amounts). That’s a common approach, but shared parenting cases can involve more analysis depending on costs in both homes and the children’s standard of living.

Understanding Section 7 Special Expenses

In Ontario, special expenses are commonly shared in proportion to incomes (not simply 50/50) unless you agree otherwise. Ontario’s Child Support Guidelines regulation covers the principle that these expenses are shared between parents or spouses. 

Examples often include childcare, certain medical expenses, and agreed activities.

Spousal Support Rights for Common Law Partners

Common law partners can be eligible for spousal support in Ontario if they meet the definition of “spouse” for support purposes under the Family Law Act. This generally includes couples who lived together continuously for at least three years, or who have a child together and were in a relationship of some permanence. Unlike property division, which follows different rules for unmarried partners, spousal support rights can arise even if you were never married.

Spousal support can be negotiated in a separation agreement or determined by a court. In practice, lawyers and courts frequently use the Spousal Support Advisory Guidelines (SSAG) to determine a reasonable range for amount and duration. While the Guidelines are not binding law, they are widely relied upon across Ontario. Common factors considered include the length of the relationship, the roles each person played (such as income earner or primary caregiver), differences in income and earning capacity, and any economic advantages or disadvantages arising from the relationship or its breakdown. If spousal support is being discussed, it is important to obtain proper advice before agreeing to a specific amount or duration, as the financial impact can be significant.

Why a Written Separation Agreement Is Essential

Even though property rules differ, a written separation agreement is often the single most useful tool for reducing uncertainty. It can cover:

  • Parenting schedules, decision-making, travel, communication, and exchange logistics
  • Child support and section 7 expenses
  • Spousal support, including amount, duration, review dates, and disclosure obligations
  • The home (sale, refinance, buyout, occupancy, and expenses)
  • Division of jointly owned assets and debts
  • Deadlines, document exchange, and steps to implement the terms of the agreement

Ensuring Your Separation Agreement Is Legally Sound

Ontario’s Family Law Act includes rules about domestic contracts and allows a court to set aside a contract in certain situations, including significant non-disclosure or a party not understanding the nature or consequences. 

That’s why full disclosure and independent legal advice are so important. If the agreement is meant to protect you, you want it to stand up later.

Frequently Asked Questions About Common Law Separation

  1. How long do we have to live together to be considered common law in Ontario?

For spousal support purposes under the Family Law Act, you may qualify as “spouses” if you lived together continuously for at least three years, or if you have a child together and were in a relationship of some permanence.

For property division, however, there is no automatic equalization regime for common law couples, no matter how long you lived together. Length of cohabitation does not create an automatic 50/50 property split.

  1. Do common law partners automatically split property 50/50?

No. In Ontario, unmarried partners generally keep the property that is in their own name. The equalization rules that apply to married couples under the Family Law Act do not automatically apply to common law partners.

That said, there can be claims based on unjust enrichment or constructive trust if one person significantly contributed to property owned by the other. These cases are very fact-specific and often require legal advice.

  1. If we have children, does it matter that we were not married?

Not for child support or parenting issues. The Divorce Act applies to married spouses seeking a divorce, but child support principles are the same whether parents were married or not. The Federal Child Support Guidelines apply based on income and parenting time.

In other words, children’s rights to financial support do not depend on whether their parents were married.

  1. If we share parenting 50/50, does that mean no child support is paid?

Not necessarily. When each parent has the child at least 40% of the time, section 9 of the Federal Child Support Guidelines applies. Courts look at both table amounts, the increased costs of shared parenting, and the financial circumstances of each household.

Many couples use a “set-off” calculation (the difference between the two table amounts), but this may affect tax credits. Shared parenting does not automatically mean zero support.

  1. Do we still need a written separation agreement if we agree on everything?

Yes, it is strongly recommended. Even when things feel amicable, a written separation agreement:

  • Sets out parenting time clearly
  • Confirms child support and section 7 expense sharing
  • Addresses spousal support, if any
  • Clarifies ownership of assets and responsibility for debts
  • Reduces the risk of disputes later

Under the Family Law Act, domestic contracts can be challenged in certain situations, especially if there was incomplete financial disclosure or a lack of understanding. That is why full disclosure and independent legal advice are important before signing.

Don’t Leave Important Issues Unresolved

If you are separating from a common law partner in Brampton, the biggest mistake you can make is relying on assumptions. Property rights are different from married couples. Support can still apply. Parenting and financial decisions made now can affect you for years.

Supporting Families in Brampton and Nearby Communities

We proudly serve families across Brampton and surrounding Peel Region communities, including:

Many couples in these communities use divorce mediation to resolve separation issues without going through court.

Understand Your Rights and Obligations Before You Make Decisions

Common law separation comes with different rules, especially when it comes to property and support. We help you understand your options and put clear agreements in place.

👉 Schedule your free, joint, 30-minute consultation to learn more. 

📞 Toll-Free: 888-779-8777
📧 connect@positivesolutions.ca
🌐 www.positivesolutions.ca

“Changing the way couples separate in Brampton Ontario”

Author: Bev Lewis

President and founder of Positive Solutions Divorce Services®
(416)-559-5527 | connect@positivesolutions.ca | positivesolutions.ca

The information provided in our blogs and throughout our website is intended for general educational purposes, offering insights into separation and divorce processes in Ottawa and throughout Ontario. While we make every effort to ensure our content is accurate and current, it should not be considered legal advice. Although we can provide legal information to help you understand the divorce process, we recommend consulting with a qualified family law lawyer to obtain legal advice specific to your situation.