Marriage Contracts & Cohabitation Agreements

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Fair, informed, and enforceable for both of you. Ready to have the conversation?

Practising Exclusively in Family Law Across Southern Ontario

A plan for your life together: fair, informed, enforceable.

It's not about planning for your relationship to end. It's about making thoughtful decisions together while you're both on the same team.

People buy insurance hoping they'll never make a claim. They prepare wills expecting to live a long life. A marriage contract is no different. A marriage contract isn't a plan for a breakup. It's a plan for your life together. One where you and your partner decide the terms, instead of leaving them to be decided for you later by a judge who's never met either of you. The same is true if you're moving in together but not marrying: a cohabitation agreement gives common-law couples the same kind of clarity, built for your circumstances rather than a courtroom's default rules.

Is a Marriage Contract a Prenup?

Under Ontario law the legal term is a marriage contract. A prenuptial agreement (prenup) is simply a marriage contract that is signed before the wedding, but once you're married, you can still enter into a marriage contract.

Whether you call it a prenup, a prenuptial agreement in Ontario, or a marriage contract, the goal is the same: giving you and your partner the opportunity to decide important financial matters together instead of leaving them to the courts.

What a Marriage Contract Covers

A marriage contract or cohabitation agreement is a legal document that sets out how you and your partner will handle finances, property, and support. It applies during the relationship and if it ever ends.

You decide what's fair for you, in writing, while you're both thinking clearly and want the best for each other.

• Protects property or savings you're each bringing into the relationship
• Sets out what happens to the home you live in, however it's owned
• Defines how property will be divided on your own terms, not a court's
• Let’s you decide in advance whether spousal support would apply
• Supports your estate and inheritance plans
• Prevents costly, drawn-out conflict later by settling the big questions now

What to Expect: Our Marriage Contract Process

Every relationship is different, and so is every agreement.
Timelines vary depending on how quickly documents are exchanged and how much negotiation is involved.

Strategy Session

We start by understanding what you're trying to achieve. Before offering any advice, we want to fully understand your goals then we explain the legal implications and how we'd draft an agreement that accomplishes them while minimizing the risk of it being challenged down the road.

Sharing the Proposal

You can discuss the terms with your partner yourself, or we can reach out on your behalf to outline the proposed terms, whichever feels more comfortable.

Exchanging Financial Disclosure

Both of you share full financial disclosure. This is what makes the agreement enforceable later. An agreement built on incomplete information is one that can be challenged.

Your Partner Retains Their Own Lawyer

If your partner wants to negotiate any terms or add their own goals, we advise them to retain independent counsel. From there, negotiations happen lawyer to lawyer, keeping the process constructive and avoiding putting strain on your relationship.

Signing

Once both sides are satisfied, the agreement is signed by both of you and your respective lawyers, and it becomes a binding part of your life together.

Drafting the Agreement

We draft the contract to reflect what's been agreed. Your partner then reviews it with their own lawyer, who confirms they understand it and are entering into it freely. This is a step that's essential to the agreement holding up if it's ever tested.

ARE YOU A BUSINESS OWNER?

Find out why every business owner should have a marriage contract or cohabitation agreement.

Is a Marriage Contract or Cohabitation Agreement Right for You?

Every couple's circumstances are different. Our role is to understand your goals, explain your options, and prepare an agreement that reflects what matters most to both of you.

Many couples think marriage contracts are only for the very wealthy. In reality, they're for anyone who wants to have important financial conversations while they're on the same team, rather than during a separation.

A marriage contract or cohabitation agreement may be worth considering when:

You Own a Business

Whether you've built a family business, professional corporation, or owner-operated business, an agreement can help clarify how your business interests will be treated.

You're Getting Married Later in Life

You may have spent years building your savings, investments, or property before entering a new relationship.

This is a Second Marriage

You may want to protect assets you've accumulated over time or preserve your financial plans for the future.

You Own a Home or Other Significant Property

A marriage contract allows you to decide together how those assets should be treated instead of relying on Ontario's default rules.

One of You Expects to
Receive an Inheritance

Planning ahead can help protect family wealth and ensure your wishes are clearly documented.

One Partner has Significantly
More Assets Than the Other

Having open conversations about finances before marriage can provide clarity and help avoid misunderstandings later.

You Have Children From
a Previous Relationship

A carefully drafted agreement can work alongside your estate plan to help protect your children and the legacy you intend to leave them.

You're Moving in Together
But Don't Plan to Marry

A cohabitation agreement allows common-law couples to decide how property, finances, and support will be handled if the relationship ends.

Deciding to Step Away From
a Career to Raise Children

An agreement can address how financial responsibilities and spousal support would be handled, providing clarity and security for both partners.

How AP Lawyers Can Help

We keep the process simple: we start by understanding what you're trying to achieve, then draft an agreement built to hold up if it's ever tested.

Your partner reviews the proposed terms with their own lawyer, so the agreement is fair, informed, and enforceable for both of you.

Ready to have the conversation?

AP Lawyers Founder, Angela Princewill
Explain Why a Marriage Contract Makes a Difference

FAQ's About Complex & Contested Divorces in Ontario

  • Many people search for a prenup in Ontario, but under Ontario law the legal term is a marriage contract. A prenuptial agreement, often called a prenup, is simply a marriage contract that is signed before the wedding. Once you're married, you can still enter into a marriage contract.

    Whether you call it a prenup, a prenuptial agreement in Ontario, or a marriage contract, the goal is the same: giving you and your partner the opportunity to decide important financial matters together instead of leaving them to the courts.

    The best time is well before your wedding. Imagine trying to negotiate important legal and financial issues the week of your wedding while family is arriving, vendors are calling, and emotions are running high. That creates unnecessary pressure and can raise questions later about whether either person felt rushed.

    If you're considering a prenup, it's best to start the conversation several months before the wedding. That gives both of you time to exchange financial information, obtain independent legal advice, and make thoughtful decisions together.

    Yes. Many couples assume they've missed their opportunity once they're married, but that's not the case. Perhaps you've recently started a business, received an inheritance, purchased a home, or simply realized you'd like more clarity about your financial future.

    A marriage agreement lawyer can prepare a marriage contract after the wedding, provided both spouses voluntarily agree to its terms and receive proper legal advice.

    In many cases, yes. Whether you're an entrepreneur, own a professional corporation, or operate a family business, you may want to clarify how your business interests will be treated if the relationship ends.

    A carefully drafted prenup for a business owner can address how business assets, future growth, and ownership interests will be handled. Every business is different, which is why it's important to obtain legal advice tailored to your circumstances.

    Absolutely. Life changes. You may buy a home together, have children, start a business, receive an inheritance, or simply decide that your original agreement no longer reflects your circumstances.

    As long as both of you agree, your marriage contract can usually be amended or replaced with a new agreement that better reflects your current goals.

    Yes, and it's one of the best ways to protect both of you. Sometimes couples worry that hiring two lawyers means they're preparing for a fight. In reality, it's often the opposite. Independent legal advice helps ensure each person understands the agreement they're signing. It also makes the agreement much more likely to be enforceable if it's ever challenged in the future.

    A good prenup lawyer isn't trying to create conflict. They're helping both people make informed decisions with confidence.

    It can, but that doesn't mean it will be. The strongest agreements are prepared carefully, with full financial disclosure, independent legal advice, and enough time for both people to consider the terms without pressure.

    Our goal is to prepare agreements that are fair, properly documented, and drafted to minimize the risk of future challenges.

    It can. For many couples, a pet is part of the family. While Ontario law generally treats pets differently than children, a marriage contract or cohabitation agreement in Ontario can include provisions about who will keep the pet if the relationship ends and how related expenses will be handled.

    Discussing those issues now can help avoid unnecessary conflict later.

    Often, yes. One of the most common questions we hear is, "Can I protect an inheritance before marriage?" Perhaps your parents have told you they plan to leave you the family cottage, or you expect to inherit investments or other significant assets in the future.

    A properly drafted marriage contract may help clarify how inherited property will be treated if the relationship ends. Every situation is different, so it's important to obtain legal advice based on your family's circumstances.

    In many situations, yes. A marriage contract can address how certain property will be treated if the relationship ends. However, Ontario family law contains special rules regarding the matrimonial home, so it's important to understand what a marriage contract can and cannot accomplish before signing one.

    We can explain how those rules apply to your specific circumstances.

    A marriage contract is a powerful planning tool, but it has limits. For example, it generally cannot determine parenting arrangements or child support in advance because those decisions must reflect a child's best interests at the relevant time. There are also certain legal rights that cannot simply be signed away.

    One of the most important parts of our role is explaining not only what a marriage contract can accomplish, but also where Ontario law sets limits. That way, you know your agreement is built on realistic expectations from the very beginning.

    You don't need to have everything figured out before contacting us. Many couples come to us simply wanting to understand their options. Whether you're planning a wedding, moving in together, buying a home, starting a business, or simply thinking ahead, we're happy to explain how a marriage contract or cohabitation agreement could apply to your situation.

    Sometimes, the consultation gives clients peace of mind that they don't need an agreement. Other times, it helps them avoid misunderstandings that could have become much more expensive down the road.

Practising Exclusively in Family Law for Close to 20 Years.

Our experienced negotiators and accomplished litigators serve Toronto and GTA (Greater Toronto Area), York Region (Markham, Richmond Hill, Thornhill, Newmarket), Durham Region (Pickering, Ajax, Oshawa) and Peel Region (Brampton) with offices in Toronto and Pickering.

Our team includes associates fluent in English, Arabic, Yoruba, Tamil.

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    • Whitby
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    • Clarington
    • Caledon
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  • WHAT YOUR INITIAL
    STRATEGY SESSION INCLUDES

    • We review your case
    • Explore options
    • Generate a strategy that would help you accomplish the results you want.
    • Retaining us as your lawyer is purely optional. It is not the goal of our meeting.

    CONTACT US TO DISCUSS YOUR OPTIONS