If you're applying to court about financial matters, a MIAM is usually required first. Book online through our trusted digital service.
Book a MIAM →What Can Be Included in a Financial Settlement?
Financial settlements can cover a wide range of financial issues. This page explains the types of finances that are commonly discussed, so you have a clearer idea of what may be included and what people often consider.
There is no fixed list
There is no single checklist that applies to every financial settlement. What is included depends on individual circumstances, family needs, and financial arrangements.
Some settlements are simple, while others are more complex.
Property and housing
Financial discussions often include property-related matters, such as:
- The family home
- Other property owned individually or jointly
- Housing needs going forward
How housing is addressed varies depending on circumstances.
Savings, investments and assets
Financial settlements may include consideration of:
- Savings accounts
- Investments
- Valuable assets
These are discussed in the context of the overall financial picture.
Pensions
Pensions are often an important part of financial discussions. Many people are surprised to learn that pensions can be considered as part of a financial settlement.
How pensions are approached depends on individual circumstances.
Income and outgoings
Financial settlements often involve discussion of:
- Income from work or other sources
- Regular living expenses
- Future financial needs
These discussions help build a clearer picture of financial arrangements going forward.
Debts and liabilities
Debts may also be part of financial discussions, including:
- Loans
- Credit cards
- Other financial commitments
Understanding existing liabilities can be an important part of the process.
Other financial matters
Depending on circumstances, financial settlements may also consider:
- Business interests
- Inheritances
- Future financial planning considerations
Not every settlement includes these issues.
How mediation helps structure financial discussions
In mediation, finances are usually discussed in a structured way. A mediator can help people:
- Identify which financial issues need discussion
- Organise conversations in manageable stages
- Keep discussions focused and balanced
The mediator does not give financial advice or decide outcomes.
Do we have to discuss everything?
Some people choose to discuss all financial issues together. Others deal with certain matters first and return to others later. The approach can be flexible and adapted to what feels manageable.
The role of the MIAM
Before applying to court about finances, many people are asked to attend a MIAM. The MIAM explains mediation and helps assess whether it may support financial discussions.
What are the next steps?
Learn more about financial settlements
Understand how settlements are reached
Learn how mediation supports financial discussions
See how mediation can help
Take time to reflect
Consider which financial issues matter most to you
When you're ready
If you decide you would like support discussing financial matters, you can book a MIAM through our trusted digital service.
Book a MIAM onlineDelivered by qualified family mediators in line with UK mediation standards.
Financial situations vary widely. Understanding what can be included helps people approach discussions with greater confidence and clarity.