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I am a Solicitor and will assist you.
Please may I ask:
- what assets do you have? If you have a house - is it owned or rented? if owned - what is the equity?
You are partially correct in your thinking.
If you do not marry then your girlfriend would not have a matrimonial claim in respect of your assets if you were to later divorce. If you decide to marry then you could consider a pre-nuptual agreement but these are not technically legally binding on a future family court Judge especially if you later had children together.
If you have a child with your girlfriend and do not marry - then your girlfriend would be able to make a schedule 1 children act claim for provision for your children. This could include a lump sum, provision for maintenance and yearly maintenance and school fees. This would cease at 18 and any property transferred would revert back to you at that point. Any children post 18 could then make a schedule 1 children act claim in their own right for support - such as assistance with university fees etc. In reality whilst this type of claim is for the children it can still be significant if you have the assets.
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