How Will a Judge Divide Our Assets in a Divorce?

The truth is there’s no one-size-fits-all answer. Every relationship — and every financial setup is different. That’s why judges follow a framework laid out in the Matrimonial Causes Act 1973, which helps ensure fairness in every case. Let’s break it down.

What Counts as ‘Assets’?

Before anything is divided, the court identifies which items count as matrimonial assets. These typically include:

Property and Real Estate (e.g., the family home)
Savings and Investments
Pensions
Business Interests
Personal Belongings
Vehicles
Debts and Liabilities

For longer marriages, the starting point is often a 50/50 split — but this is just a starting point. The final decision depends on a number of other factors.

What Does the Judge Consider?

Here are the key considerations:

1. The Welfare of Children

If there are children involved their needs come first. This means ensuring they have a stable home, financial support, and a sense of continuity during and after the separation.

2. Financial Needs

Each party must provide full financial disclosure, including their needs and expenses. For example, if one person requires a larger share to secure housing, this will be taken into account.

3. Income and Earning Capacity

The court looks at both current income and future earning potential. The goal? A clean break, where neither party remains financially dependent on the other — wherever possible.

However, some situations complicate this:

One spouse nearing retirement age may have reduced earning potential.
If a parent is the primary carer for children, they may not be able to work full-time.
Health conditions affecting a party’s ability to work are also relevant.
The court consider the parties mortgage raising capacity, being the amount of money you are able to afford to maintain.

4. Contributions to the marriage

It’s not just about who earned what. Courts recognise non-financial contributions too — from child-rearing to managing the household, even DIY work. These all carry weight in the final decision.

Do We Have to Go to Court?

Not necessarily.

In fact, many couples reach a financial agreement outside of court — often through negotiation or mediation. This route tends to be more cost-effective, quicker, and less emotionally taxing.

But even when an agreement is reached amicably, it’s crucial to have it legally formalised to protect both parties in the long term. If both parties reach a financial agreement, we are able to draft the Consent Order, which will make the agreement legally binding.