The rights you and your ex-partner have, to stay or leave the home depend on whether:
If you are unsure about your rights, you should get legal advice.
If you and your ex-partner live in a rental property your rights to stay or leave the property depend on who signed the residential tenancy agreement (the lease).
If the lease is in both names, you each have equal rights to stay in the property. If your name is not on the lease you may still have rights and obligations, and you should get advice from a tenancy advice service.
If you or your ex-partner want to leave, your rights and obligations will depend on whether you are in a fixed or continuing lease, or whether there is domestic violence.
If you have been the victim of domestic violence, you may be able to stay at the rented premises and have the perpetrator leave, or you may be able to leave and end your legal liability for the tenancy.
For more information, see the factsheet Domestic violence and renting on the Tenants' Union of New South Wales website.
If you were married or in a de facto relationship and have separated from your ex-partner you can:
After separation and before a property settlement being finalised, who remains in the home is a matter to be discussed and negotiated between you and your ex-partner, through mediation, or decided by the Court.
If you leave your home, you will still be legally responsible for any of the debts in your name (or in both names), such as council rates, the mortgage etc. If your ex-partner stays in the home and does not pay these debts you will have to pay them, or the bank may take legal action against you and your ex-partner to recover the arrears and full amount owing.
If you are unsure about your rights in relation to living arrangements, you should get legal advice.
If there is domestic violence in the relationship and you rent your home with your ex-partner, you may have rights to leave your home (and end the tenancy), or stay in your home (and exclude your ex-partner). Your rights depend on:
For more information, see the factsheet Domestic violence and renting on the Tenants' Union of New South Wales website.
If you and/or your ex-partner own a property and you are experiencing domestic violence, you may be able to apply for:
You should get legal advice about your situation, and/or speak to your local Tenants Advice and Advocacy Service.
The Federal Circuit and Family Court of Australia can make an order that prevents a person from entering or living in a property. If you apply for this type of order, the Court will consider the needs of you, your ex-partner and your children.
The Local Court of NSW can also make an order that excludes a person from accessing a property when it makes an Apprehended Domestic Violence Order (ADVO).
Before you apply to the Local Court or Federal Circuit and Family Court of Australia, you should get legal advice.
If you rent the property you can change the locks if you:
Your rights in other situations vary, for example if you rent, your rights to change the locks will depend on whether you are on the lease and whether you get permission from the landlord
If you or your partner own the home and you want to change the locks to stop your ex-partner from accessing the home, you should get legal advice.
If you have been locked out of your home, you should get urgent legal advice.
If you left some of your personal belongings at your former family home when you moved out, you have a legal interest in those things, and you are entitled to get them back.
How you can get your personal belongings back depends on whether:
You should make arrangements with your ex-partner for a time to go back to the home to collect your personal belongings as long as there is not a Court Order preventing you from doing so. If it is not safe for you to go to the home by yourself, you should contact the police. They may be able to accompany you to the home for a short period of time while you collect the things you need urgently, for example your wallet, laptop, or clothes. They will not help you remove all of your personal belongings.
If there is an Apprehended Violence Order (AVO) in place that stops you from going near or entering the property, and the AVO proceedings are ongoing, you can apply for a Property Recovery Order.
If your partner refuses to allow you to enter the home to retrieve your personal belongings or if there is a dispute around what belongings you are able to take, you should get legal advice.
For more information, see Property Recovery Orders (protected person) in the Apprehended Violence Orders topic on the My problem is about section of our website.
If the AVO proceedings are finished, you should get legal advice.
The engagement ring will be a part of the “asset pool” to be divided between you and your ex-partner. This should be negotiated between you at the time when you negotiate the division of your other assets and debts.
This can be complex. If you are unsure what you should do, you should get legal advice.
You are legally responsible to pay any debts in your name, or both names, regardless of who is living in the home. For example, your mortgage, or an electricity bill in both your name and your ex-partner's name.
If you have debts in both names, and your ex-partner does not pay, the creditor (the person owed the money) can usually recover the whole amount from one or both of you.
If you are having difficulty paying your debts, you should speak to a financial counsellor. You also have certain rights under the national credit laws for consumer credit debts, for example home loans, personal loans, credit cards.
For more information, see the Consumer credit debt topic.
If you have received bills that are not in your name, you should give the bill to your ex-partner unless a court order, like an Apprehended Domestic Violence Order, stops you from having contact with them.
Debts are included in a property settlement. In some circumstances, the Court can make orders about who pays certain debts.
If you are concerned about debts after you have separated, you should get legal advice about your situation.
If you and/or your ex-partner have a mortgage on a property, the person whose name is on the mortgage contract is legally responsible to make the repayments.
This means that if the mortgage was taken out by both of you, and your ex-partner stops paying it, the lender can recover the arrears and full amount owing from one or both of you. In this situation, each of you is jointly and individually responsible for the debt.
Sometimes you and/or your ex-partner may have difficulty making repayments because of the separation. You can speak to your lender about your situation and/or get financial counselling and legal advice. You have certain rights under the national credit laws, such as the right to seek a hardship variation from your lender in this type of situation.
It is important to act quickly to protect your credit rating, avoid extra fees and charges and court proceedings.
If you are concerned about debts after you have separated, you should get legal advice about your situation.
For more information, see the Consumer credit debt topic.
If your ex-partner's name is the only name on the mortgage contract, they are legally responsible for the repayments. If repayments are missed, the lender may only take legal action against your ex-partner to recover the debt.
If your name is also on the mortgage, you are also responsible for making the repayments. If your ex-partner does not pay the mortgage, you will have to pay it or the bank may take legal action you and your ex-partner to recover the arrears and full amount owing.
If you or your ex-partner can't afford to make the repayments, you may be able to seek a hardship variation of your loan with your lender.
You should get legal advice about your options and/or speak to a Financial Counsellor as soon as possible.
For more information, see the Consumer credit debt topic.
If you and your ex-partner have a mortgage together with a redraw facility, you may want to speak to your lender about:
If your ex-partner redraws on the mortgage, this will increase the amount of debt that both you and your ex-partner owe. If you default on your mortgage repayments, you will be liable to pay the full amount, including the amount redrawn by your ex-partner.
If the mortgage is in your ex-partner’s name only, you may need to get an undertaking from your ex-partner or an injunction preventing them from redrawing on the mortgage.
If you are not sure what to do, you should get legal advice as soon as possible.
If the home is in both your name and your ex-partner's name, it can't be sold unless:
You should get legal advice if you want to sell the home and your ex-partner won't agree, or if your ex-partner is threatening to sell the home.
If the home is only in your ex-partner's name, you should get urgent legal advice about your options to protect the home from being sold.
If you and your ex-partner have a joint bank account, the money in the account belongs to both of you. You can speak to your ex-partner about:
You may want to open an account in your own name and transfer your wages and direct debits to this account. This will stop your ex-partner from taking your wages and leaving you with no money to pay your bills.
If your ex-partner has threatened to take money from the joint bank account, you may be able to take action to prevent this from happening and should get legal advice.
If you want to withdraw money from a joint bank account, you should get legal advice.
If you have a joint credit card (or store card), you should contact the financial institution to discuss the account.
If your ex-partner has access to your bank accounts and/or credit cards, you may want to speak to your lender to:
If your ex-partner takes money from your account, you may not be able to get it back. You will still have to pay your bills, even if your ex-partner takes your money.
If your ex-partner spends money on your credit card, you will be legally responsible for repaying the amount they have spent. In some circumstances, you may be able to negotiate or get a court order for your ex-partner to repay this money. You should get legal advice.
If you have concerns about your ex-partner disposing of assets, such as selling the home or withdrawing money from accounts, you should get legal advice.
A lawyer can advise you about steps you can take to protect your property, which can include getting a court order that stops your ex-partner from disposing of assets.
If there is domestic violence in the relationship and you are concerned about joint bank accounts or debts, whether in your name or in both names, you may have options to manage your finances and protect yourself.
The Australian Bankers' Association has released a new industry guideline for dealing with financial abuse and domestic violence. The guideline provides clearer processes for banks so they can better support customers who may be experiencing financial abuse and domestic violence.
In addition to current financial hardship arrangements available under the national credit laws, the new industry guideline allows banks to offer more flexible arrangements to customers experiencing domestic violence.
If you are concerned about debt or joint bank accounts, you should get legal advice.
For more information on domestic violence, see the Apprehended Violence Orders topic.
Bankruptcy will affect all property owned by your ex-partner and will include any property you own jointly with them. It is important that you get legal advice if you have property in joint names and your ex-partner is applying for bankruptcy.
For more information, see the Bankruptcy topic.
There are no specific rules that deal with disputes over animals when a relationship breaks down. Animals are considered property of the relationship and will be considered along with all of the other property in your case.
If you are concerned about your pet and cannot reach an agreement with your ex-partner, you should get legal advice about your options.
It is a good idea to change your will if you have separated from your partner and they were included in your will.
If you were married, getting a divorce will revoke (cancel) provisions of an existing will that makes a gift to your former spouse or appoints your former spouse as an executor, trustee or guardian.
If you were in a de facto relationship, separating from your partner will not invalidate your will. Any gifts in your will to your partner may still be valid, even if you have separated and divided your assets.
If you are separated or divorced, you should get legal advice about making a new will.
If you nominated your ex-partner to be a beneficiary of your superannuation, you may want to remove them.
If you don’t and you pass away, your superannuation fund may pay your benefit to your ex-partner.
If you need advice about superannuation, you should speak to a Financial Counsellor. To find a Financial Counsellor, see Financial counselling on the moneysmart website.
If you separated from your de facto partner before 1 March 2009, you will need to get legal advice.
The law that applied up until that date is different to the laws that apply now.
If there are current Federal Circuit and Family Court of Australia proceedings, you must tell the court as soon as possible if you become aware that a proceeds of crime order or forfeiture application covers property of either you or your ex-partner. It is an offence if you don’t tell the court.
If your property settlement involves proceeds of crime, the court may issue a stay (pause) on proceedings. The relevant federal, state or territory proceeds of crime agency may be invited or required to attend to make submissions before staying the proceedings.
There are three main options for a former spouse or partner who is seeking to retain property of the relationship:
If you think your property may be proceeds of crime, you should get legal advice about your situation.
The law states that everyone must make a genuine effort to reach an agreement about their property settlement matter before applying to a court for property orders.
In order to do this, there are certain steps you must take unless you meet one of the exceptions. These are called pre-action procedures.
This means:
When writing to your ex-partner you must:
If you don’t comply with pre-action procedures and you are not exempt, the Court may make a costs order against you.
For more information, see the brochure Before you file - pre-action procedure for financial cases (prescribed brochure) on the Federal Circuit and Family Court of Australia website.
At an early stage of attempting to resolve your property dispute, the people involved in the property dispute should exchange financial disclosure documents, so that each party is aware of the financial information relevant to the dispute.
The documents that each person should provide to the other include, but are not limited to:
The pre-action procedures apply to:
You must use pre-action procedures to try and resolve your property settlement dispute unless an exemption applies. Exemptions apply where there has been:
In these situations, you may be able to apply directly to the Court for property orders.
Before you apply for property orders, you should get legal advice.
For more information, see Before you file – pre-action procedure for financial cases (prescribed brochure) on the Federal Circuit and Family Court of Australia website.
The Court will expect you and your ex-partner to make a genuine effort to resolve your dispute before going to court. If you fail to follow pre-action procedures, the Court may:
If you don't want to follow the pre-action procedures, you should get legal advice.
For more information, see Before you file – pre-action procedure for financial cases (prescribed brochure) on the Federal Circuit and Family Court of Australia website.
The Court will expect you and your ex-partner to make a genuine effort to resolve the dispute before going to Court. If your ex-partner fails to follow pre-action procedures, the Court may:
If you have a lawyer, you can also ask the Court to make a costs order against your ex-partner for failing to follow the pre-action procedures.
For more information, see Before you file – pre-action procedure for financial cases (prescribed brochure) on the Federal Circuit and Family Court of Australia website.
When you file your application at the Court, one of the documents you must complete and file is a Genuine Steps Certificate. In this certificate you will need to explain whether you and your ex-partner have followed the pre-action procedures.
When you provide your evidence to the Court, you may want to include your attempts to follow pre-action procedures or explain why no attempts were made to resolve your matter before applying for property orders.
Family Dispute Resolution (FDR) is a type of mediation that helps parties you resolve disputes about property, children or other issues.
In FDR you and your ex-partner will be assisted by a mediator who is a trained impartial third party, to reach your own solution to the dispute, without any involvement from the Court.
It is a good idea to get legal advice before participating in Family Dispute Resolution. Although you do not need a lawyer present during the process, you should speak to a lawyer beforehand to ensure you know about your rights.
You can contact your local Family Relationship Centre to find out if they offer mediation in property settlement matters.
You can find a list of Family Dispute Resolution Practitioners by searching the Family Dispute Resolution Register on the Attorney General's Department website.
For more information, see Family mediation and dispute resolution on the Family Relationships Online website.
You can apply for a grant of legal aid for your matter, however Legal Aid NSW will only provide assistance in property settlement to people who meet their eligibility criteria.
For more information, see A-Z guide to policies on the Legal Aid NSW website.
If you can reach an agreement with your ex-partner about how property is to be divided, you can:
You should get legal advice about the advantages and disadvantages of formalising an agreement in your circumstances.
For more information, see Finance and property on the My problem is about section of our website.
A financial agreement is an agreement that can be made before, during or after a relationship that sets out how property will be divided at the end of the relationship.
For a financial agreement to be valid it must:
You can enter into a financial agreement if you are or were married or in a de facto relationship, or if you were in more than one relationship at a time.
In some cases, you can apply to the Court to make your agreement into consent orders.
A financial agreement or consent orders will:
If you want to make a financial agreement, or you have made one that you want to change, you must get legal advice.
For more information, see Finances and property: Financial agreements on the Federal Circuit and Family Court of Australia website.
A financial agreement will state how property is divided and will be valid if it meets certain legal requirements.
If you think the agreement is unfair or your circumstances have changed since you entered into the agreement, you will need to speak to a lawyer about re-negotiating a new agreement and/or your rights to apply to the Court for a property settlement.
In Australia, prenuptial agreements are called financial agreements.
A financial agreement can be made before, during or after your relationship.
In Australia, cohabitation agreements are called financial agreements.
A financial agreement can be made before, during or after your relationship.
Consent orders are court orders that confirm an agreement you have reached with your ex-partner. They can cover how you and your ex-partner are dividing property, as well as other things like spousal maintenance and superannuation.
Consent orders are enforceable. A party can be punished by the Court if they don’t follow the orders.
If you want to apply for consent orders you need to file an Application for Consent Orders and proposed consent orders.
For more information, see Finances and property: We have agreed on the Federal Circuit and Family Court of Australia website.
Before entering into any agreement or applying for consent orders, you should get legal advice. A lawyer will help you to understand the effect of your agreement.
Consent orders are final and enforceable. In limited circumstances the Court can set them aside, such as where there is fraud or duress.
If you want to vary your consent orders or if you believe they should be set aside, you should get legal advice.
In limited circumstances the Court can set aside or overturn property orders. If you want your property orders set aside, you will need to show:
circumstances have arisen since the orders were made that make it impracticable or impossible for a part or all of the order to be carried out.
If you want to have your property orders set aside, you should get legal advice.
A financial agreement is a written agreement which deals with all or part of the assets after a breakdown of your marriage or de facto relationship. A financial agreement must comply with formal requirements for it to be legally binding.
A financial agreement is not filed in court unless you or your ex-partner make an application to the court to enforce or set aside the agreement.
Consent orders are court orders that are made after you have negotiated and reached an agreement with your ex-partner. The Court will make consent orders if it considers the agreement to be fair.
Financial agreements or consent orders are difficult to change once they have been made. Before entering into a financial agreement or signing any consent orders, you should get legal advice.
If you and your ex-partner can't reach an agreement about how to divide your property, you can apply to the Court for property orders as long as you have made a reasonable attempt to comply with the pre-action procedures.
In some cases, the pre-action procedures will not apply, for example, where there is child abuse, fraud or family/domestic violence.
For more information, see:
A property settlement is where property (assets such as your home and money in the bank) and debts are divided after separation. A property settlement can be done by:
For more information, see Finance and property on the My problem is about section of our website.
You can apply for property orders if you:
To apply for property orders, you must file:
If you are asking for interlocutory orders, you need to file an Affidavit.
For more information, see How do I apply for property and financial orders? on the Federal Circuit and Family Court of Australia website.
Other people that believe they have a financial interest in your property matter may apply for permission from the Court to be included as a party in your property settlement case. For example, a creditor who may be owed money from one or both of the parties, or a family member who may have lent money to one of the parties to purchase a home.
If you can't reach an agreement with your ex-partner and you want to apply for property orders, you can apply to:
Before you apply for property orders, you should get legal advice.
For more information, see Finances and property: We cannot agree on the Federal Circuit and Family Court of Australia website.
The types of property that can be divided in a property settlement include assets like:
These assets can be yours, your ex-partners, or joint assets.
Some assets, or potential assets known as financial resources, generally, can't be dealt with by the Court, but the Court will take these assets into account when deciding how to divide the property and debts of parties. Financial resources may include:
The Court will also consider the debts you and your ex-partner have, such as any mortgages, personal loans, finance on vehicles and credit cards.
A property settlement in Australia will include any property you or your ex-partner currently have, including property that is overseas, for example, cars, houses or money in foreign bank accounts.
Although Australian courts can make an order about a foreign asset, the enforceability of the order will depend on whether it can be registered in that country. In addition, if the order is about a foreign asset being sold or transferred, you will need to get legal advice from a lawyer in the country where the property is held.
If you or your ex-partner has property overseas, you should get legal advice.
Usually, the Court will consider all property that parties own at the time of the hearing, including property acquired before, during or after separation. The Court will use its discretion to decide whether to consider property acquired after you and your ex-partner have separated.
You should get legal advice about your situation.
The Court can make different types of orders, including orders that:
To decide what orders you should apply for in your property settlement case, you should get legal advice.
In a property settlement matter, there is no standard entitlement, right or percentage split. Each case is different and will be considered on its own circumstances.
Superannuation is considered property and will be included in a property settlement. It can be split like other property. However, splitting superannuation does not convert it into cash. It remains in a superannuation fund and is still subject to superannuation laws, including about when it can be accessed.
If you want to negotiate a super split with your ex-partner, you can:
For more information, see Finances and property: Superannuation on the Federal Circuit and Family Court of Australia website.
If you want to make a claim on your ex-partner's superannuation, you should get legal advice.
Under the duty of financial disclosure, you and your partner must provide to each other the documents that show your current superannuation information. You can request this information from your ex-partner if they haven’t provided it to you already.
If your ex-partner refused to provide you with their superannuation information and you are a party to property proceedings, you can apply to Federal Circuit and Family Court of Australia for your ex-partner’s superannuation information held by the Australian Taxation Office (ATO).
To do this, you must apply online via the Commonwealth Courts Portal.
You should receive a response to your request within seven days. The response will be visible to all parties involved in your matter.
The information held by the ATO may not be the most up-to-date. Once you know what fund your ex-partner is a member of, you should request up-to-date information from the fund.
For more information, see Visibility of superannuation for property settlement proceedings on the Federal Circuit and Family Court of Australia website.
When deciding what orders to make, the Court will consider:
The Court can make an order that your home be sold as part of the property settlement. The Court may also consider other orders, such as an order that the property be transferred into one person's name.
If you are concerned that the Court will order you to sell your home, you should get legal advice.
Transfer duty is usually paid whenever there is a transfer of property. However, an exception to this is where property is transferred after the break down of a marriage or de facto relationship.
To be exempt, you will need to obtain court orders or make a financial agreement.
There are new requirements for transactions entered into on after 19 May 2022.
For more information, see Duties Act evidentiary requirements: Section 68 on the Revenue NSW website.
There are different ways of enforcing property orders depending on the type of order and what hasn't been done.
For more information, see Finances and property: Compliance and enforcement on the Federal Circuit and Family Court of Australia website.
If you want to enforce property orders, you should get legal advice.
An application for property orders must be made within:
If you apply outside of these time limits, you will need to seek leave (permission) from the Court.
The Court may accept an out of time application if you have a good reason for applying late, or if hardship would be caused, or where you and your ex-partner agree to it.
If you need to apply for property orders out of time, you should get legal advice.
You may be able to have your property matter transferred from the Local Court of NSW to the Federal Circuit and Family Court of Australia if:
In some situations, the Local Court will transfer the matter to the Federal Circuit and Family Court of Australia if the Court believes it is appropriate to do so, regardless of whether you or the other party wants the transfer.
If you want your property matter transferred from the Local Court, you should get legal advice.
A judicial settlement conference is dispute resolution for parties who have exhausted all other measures of alternative dispute resolution, which is conducted by a Judge in the Federal Circuit and Family Court of Australia. This takes place before a hearing has commenced.
If you would like to attend a judicial settlement conference or you have been asked to attend one, you should get legal advice.
You may be able to apply for your matter to be transferred to a court in NSW, but you should get legal advice about your circumstances.
If you are going to court for a property matter you may see the other party at court.
If you are concerned about attending court at the same time, or being in the same room, you should tell the Court as soon as possible. Safety measures can be put in place so that you can attend court safely.
If there is any allegation of family violence, the Court must take that into account to make decisions about how proceedings will run.
If you have any concerns for your safety, it is important you let the Court know.
For more information, see Safety at court on the Federal Circuit and Family Court of Australia website.
In property matters, parties can't cross-examine one another where one party has alleged family violence by the other party and:
The Court will then make orders that the parties must be cross-examined by a lawyer. If a party does not have a lawyer, they will not be allowed to cross-examine the other party.
A self-represented party can either:
If Legal Aid NSW represents a party through the Commonwealth Family Violence Cross Examination of Parties Scheme, this does not mean that they will have ongoing representation.
For more information, see Family violence allegations in family law proceedings - personal cross-examination ban.
For further information, see How the Court considers safety and risk on the Federal Circuit and Family Court of Australia website.
Where one party has alleged family violence by the other party, but the above criteria does not apply to stop cross-examination by the other party, the Court must make sure there are appropriate protections for the alleged victim.
This can include:
If you have any concerns for your safety, it is important you let the Court know.
For more information, see Safety at court on the Federal Circuit and Family Court of Australia website.
If you are worried about attending court because of family violence, you should get legal advice.
There is no automatic entitlement to receive spousal maintenance from your ex-partner after separation.
You should try to reach an agreement on spousal maintenance when you are negotiating a property settlement. If you can't reach an agreement, you can apply to the Court for an order for spousal maintenance if you can show that you require financial support and that your ex-partner has the capacity to pay maintenance.
Before making an application for spousal maintenance, or if you require urgent financial assistance after you separate from your ex-partner, you should get legal advice.
For more information, see Finances and property: Spousal maintenance on the Federal Circuit and Family Court of Australia website.
If you are unable to support yourself, you may be able to apply to the Court for an order for spousal maintenance. This is different to child support - financial support for your children.
When applying for spousal maintenance, you will need to show the Court that you need support because:
You will also need to show that your ex-partner can pay.
If you require immediate financial support, you can apply for urgent spousal maintenance.
The Court will consider a wide range of factors when deciding whether to make an order for spousal maintenance.
Before applying for an order, you should get legal advice about your situation.
For more information, see Finances and property: Spousal maintenance on the Federal Circuit and Family Court of Australia website.
You can apply for spousal maintenance within:
To apply outside of these time limits, you will need to seek permission from the Court.
Before you apply for spousal maintenance, you should get legal advice.
For more information, see Finances and property: Spousal maintenance on the Federal Circuit and Family Court of Australia website.
Last updated: December 2024