Common-law partners in Quebec: What the new 2025 rules mean for you
Planiprêt
Jul 07, 2025
Since June 30, 2025, the Quebec government has enacted major changes affecting common-law partners, particularly concerning family property. Here's what you need to know if you're living in a common-law relationship.
1. A minimum level of protection now granted
Until now, common-law partners had no automatic protection in the event of separation, regardless of the number of years living together or whether they had children. Now, after 3 years of cohabitation or upon the birth of a child, certain protections apply:
- Sharing of the family residence
- Sharing of certain essential household goods
- Right to spousal support in some cases
2. What this means for your mortgage
If you buy a property with your common-law partner, the new rules may have consequences:
- In the event of separation, equitable sharing of the home can now be claimed, even without being married.
- It's more important than ever to specify each person’s share in the notarized deed or to sign a cohabitation agreement.
3. Why consult a mortgage broker and a notary?
Family situations are increasingly varied and complex. A broker can help you:
- Properly structure your purchase
- Choose the right type of financing
- Anticipate legal and tax implications in the event of separation or death
4. A good time to review your protections
Whether you already own a home or are in the process of buying, this is a great time to review:
- Your wills
- Your life and disability insurance
- Your cohabitation or separation agreements
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