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Marriage vs. Common Law in Ontario: Understanding Your Legal Status.

Is a piece of paper really that important? When it comes to your house and your assets, the answer is "Yes." Discover the critical legal differences before you separate.

Legal Review: This comparison guide was reviewed by Deepa Tailor, Senior Family Lawyer, to ensure accuracy regarding property rights under the Family Law Act.

The Quick Answer: What is the Main Difference?

The main difference between Marriage and Common Law in Ontario is Property Rights. Married couples are legally entitled to an Equalization of Net Family Property (splitting wealth growth 50/50) and have equal possession rights to the Matrimonial Home. Common law couples have NO automatic property rights. You leave the relationship with whatever is in your own name, unless you sue for "Unjust Enrichment." However, rights regarding Children (Custody/Support) are identical for both.

Comparison: What Changes When You Marry?

A side‑by‑side look at the three areas that matter most when a relationship ends.

Children

Identical.

Custody, Access, and Child Support laws are exactly the same. The marital status of parents does not affect the child’s rights.

The House

Different.

Married spouses cannot be kicked out of the family home. Common law partners have no right to stay if they are not on the title.

Inheritance

Different.

Married spouses inherit automatically if there is no Will. Common law partners get $0 if there is no Will.

The "Matrimonial Home" Protection

This is the single biggest legal difference between married and common law couples in Ontario.

Married: Protected

A Matrimonial Home is a special legal asset under the Family Law Act. It receives unique treatment that no other asset gets:

  • Even if one spouse bought the home before marriage, the full value is shared upon separation — the normal "deduction for pre-marriage assets" does not apply to the matrimonial home.
  • Neither spouse can sell, mortgage, or encumber the home without the other's written consent.
  • Both spouses have an equal right to possession, regardless of whose name is on the title.

Common Law: At Risk

In a common law relationship, the house is just "property." There is no special legal status for the family home:

  • If your name isn't on the deed, you don't own it — and you don't get half the value upon separation.
  • The owner can sell or mortgage the property without your consent or knowledge.
  • You have no right to stay in the home. The owner can ask you to leave.
  • Your only remedy is to sue for Unjust Enrichment or Constructive Trust — which is expensive and uncertain.

Common Myths About Living Together

These misconceptions cost people thousands of dollars every year. Don't be one of them.

Myth: "We are common law after 6 months."

FACT

It takes 3 years of continuous cohabitation for family law purposes, or having a child together. The 6-month or 1-year thresholds apply only to certain tax and benefit programs — not property or support rights.

Myth: "I automatically get half if we split."

FACT

False. There is no Equalization in common law. You leave with what is in your name. The only way to claim a share of your partner’s assets is through a costly court action for Unjust Enrichment or Constructive Trust.

Myth: "I can use his/her last name legally."

FACT

You can use it socially, but you cannot legally change your government documents (passport, driver’s licence) without a formal name change application through Service Ontario.

Myth: "Common law turns into marriage after 7 years."

FACT

Never. You can live together for 50 years and you will never be legally married without a marriage licence and ceremony. This is one of the most dangerous myths in Ontario family law.

Status FAQs

Answers to the most common questions about marriage and common law status in Ontario.

Deepa Tailor, Senior Family Lawyer at Tailor Law

Deepa Tailor

Senior Family Lawyer

Deepa Tailor helps couples understand their legal status, ensuring that common law partners put the necessary agreements in place to protect their financial future.

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Don't Assume You Are Protected. Know Your Rights.

Whether you are married or common law, understanding your legal status is the first step to protecting your family and your assets.