Divorce Lawyers & Divorce Solicitors

When a marriage breaks down irretrievably, one of the key steps toward finalising a financial settlement is full financial disclosure. In many cases, this disclosure is achieved via a document known as Form E. Below, we explain what Form E is, why it matters, and how to complete it.

What Is a Form E?

Form E is a detailed questionnaire—around 30 pages in length—in which each spouse (or civil partner) must provide a comprehensive account of their financial circumstances. This includes everything from property valuations to the balances of bank accounts and pensions. While you can, in theory, complete Form E yourself, doing so under the guidance of a family law solicitor is strongly recommended to reduce the risk of errors, missing documents, or potential disputes down the line.

Is Form E Compulsory in Divorce?

Form E is mandatory if your divorce or dissolution case proceeds to court for a financial remedy. However, many couples voluntarily fill it out even if they do not plan on going to court. Having an accurate picture of each person’s assets and liabilities can greatly help in negotiating a financial settlement without litigation.

Key Guidance for Completing Form E

Completing Form E correctly is essential for a smooth financial settlement. If major details or documents are missing, you risk unnecessary delays or extra costs. Here are the main points to note:

  1. Property Valuations

    • Provide current valuations (or any obtained in the past six months) for all properties.
    • Include a mortgage redemption statement showing how much is left to pay.
  2. Bank Details

    • Declare every account held in the past 12 months, including joint accounts and building society accounts.
    • Provide recent statements to demonstrate balances and activity.
  3. Investments

    • Share information about PEPs, ISAs, TESSAs, National Savings, bonds, stocks, unit trusts, and any other investment instruments.
  4. Insurance Policies

    • List all life assurance or endowment policies, including those with no surrender value.
  5. Assets

    • Note all monies owed to you and all cash sums over £500.
    • Declare personal belongings worth more than £500 each.
  6. Debts

    • Include details of credit/store cards, loans, and hire purchase agreements—who it’s owed to and how much.
  7. Capital Gains

    • If capital gains tax could apply to the disposal of any assets, provide an estimate in Form E.
  8. Business Assets

    • If you own a business or hold directorships, complete these sections carefully, attaching supporting documents.
  9. Pensions

    • Supply details for every pension, including an up-to-date cash equivalent (CE). These often take a while to obtain, so request them early to avoid delays.
  10. Income

  • Disclose all income sources: salary, dividends, rental income, benefits, pensions, etc.
  1. Income Needs
  • Provide a schedule of monthly or annual living costs for you and any children, and outline any “capital needs” (e.g. money required for buying a home, or a car).
  1. Changes in Circumstances
  • Detail any major changes that have happened or are likely to happen within the next 12 months—e.g. expected inheritances, changes in employment, or any nuptial agreements that could affect finances.

Statement of Truth

At the end of Form E, you will sign a Statement of Truth confirming that your information is complete, accurate, and honest. Making false statements can lead to serious consequences, including potential contempt of court.

Next Steps

Once both spouses have finished Form E, the usual procedure is to exchange them simultaneously, either directly or via solicitors. If your case is already in court for a financial remedy, you must file your completed Form E with the court as directed. After exchange, each side can raise questions if any figures seem incomplete or unclear. Ultimately, having Form E completed properly helps pave the way for constructive negotiations on your financial settlement.

Contact HM & Co. Solicitors About Form E and Financial Disclosure

Filling out Form E can be intricate and time-consuming, and any mistakes might lead to further questions or delays, potentially increasing your legal costs. At HM & Co. Solicitors, our experienced divorce lawyers regularly assist individuals in completing Form E, ensuring all relevant details are included and that the form meets court requirements. If you’d like to learn more or need guidance, we are here to help.

HM & Co. Solicitors
186 Lower Road
Surrey Quays
London SE16 2UN

Telephone: 02071128180
Email: info@hmsolicitorsltd.com

For thorough, reliable advice on Form E or any other aspect of financial settlement, please get in touch with our specialist team.

Your Questions, Answered

FAQs

Divorce FAQs

What is divorce?

Divorce is the legal process of ending a marriage through a court application. Once granted, both individuals are no longer legally married. However, certain legal obligations—such as maintenance orders or child arrangement orders—may still apply after divorce.

How do you get divorced?

There are four main stages in the divorce process:

  1. Complete a divorce application (Form D8) as a sole or joint applicant and pay the court fee (currently £593).
  2. Apply for a conditional order after your spouse acknowledges the application and a 20-week waiting period passes.
  3. Apply for a final order (6 weeks after the conditional order), which legally ends the marriage.

Keep in mind that divorce itself does not settle financial matters or child arrangements. A separate financial settlement and any necessary child arrangements must be made.

What are the grounds for divorce?

In England and Wales, a no-fault divorce system is in place. You only need to state that your marriage has irretrievably broken down, without assigning blame.

What is a 'divorce application'?

A divorce application (Form D8) initiates the divorce process. You can apply on your own (sole applicant) or jointly with your spouse. If you receive an application, you become the respondent. Applications can be made online or by post, and a court fee of £593 applies at the time of writing.

Can I get divorced?

To be eligible for a divorce or to dissolve a civil partnership, you must have been married or in the civil partnership for at least 12 months. If you haven’t reached this timeframe, you may be able to annul the marriage or seek a judicial separation.

Can we just separate? I don’t want a divorce.

If you separate without divorcing, you remain legally married and financially linked. Divorce-related financial claims remain open and can be dealt with later. Judicial separation is an option that allows you to remain married but legally separate. However, it is rarely used. Obtaining a divorce fully ends the marriage, although resolving financial matters requires a separate financial order.

I am in a same-sex marriage or civil partnership. Does this affect the process?

The process for ending a same-sex marriage or civil partnership is the same as for opposite-sex marriages.

There is violence in my relationship. What can I do?

If you are in immediate danger, call 999. You can also seek protection from the family court, such as orders regulating who lives in the family home or preventing certain behaviours. Further information and support are available for individuals facing domestic abuse.

What if my spouse refuses to accept the divorce?

It is difficult to halt divorce proceedings. Disputes are limited and usually involve the validity of the marriage. Most often, the divorce will proceed even if one spouse does not cooperate.

What if my spouse refuses to acknowledge the divorce application?

If your spouse does not respond to the application within 14 days, you can arrange for the papers to be served in person by a court bailiff or process server. Once service is proven, you can proceed with the divorce, regardless of cooperation.

 

What is a conditional order?

A conditional order confirms that the court sees no reason to prevent your divorce. Although an important milestone, it does not end the marriage. Both parties remain legally married until the final order is granted.

 

What is a final order?

Six weeks after the conditional order, you can apply for the final order, which legally ends your marriage or civil partnership. Keep the final order safe for future use, such as if you remarry or revert to your maiden name. It’s generally advisable to finalize financial arrangements before applying for the final order.

How long does a divorce take?

On average, a divorce in England and Wales takes about six to eight months. There are waiting periods built into the process:

  • A 20-week cooling-off period after the court issues the application, before you can apply for a conditional order.
  • A six-week wait after the conditional order, before applying for the final order.
    Delays can occur due to lack of cooperation, complex financial or child-related issues, or court backlogs.

 

How much does a divorce cost?

The court fee for processing a divorce application is currently £593. Additional costs vary depending on complexity, legal representation, and whether financial or child arrangements are contested. Fixed-fee divorce options may be available. Handling the divorce yourself online avoids solicitor fees for the divorce process itself, but legal advice on finances is strongly recommended.

 

Can I get Legal Aid?

Legal aid for family law matters is limited and generally available only in cases involving domestic abuse, child welfare, or social services. We do not offer legal aid; check the government’s legal aid website for approved providers.

 

Who pays the legal fees in a divorce?

Typically, each person covers their own legal costs. The applicant pays the court fee. In a joint application, applicant 1 usually pays the fee. You can ask the court to order that costs be shared, but such orders are rare. Costs related to the divorce itself are separate from those incurred when resolving finances and/or child arrangements.

 

Do I need a solicitor?

You can file the divorce application yourself. However, it’s strongly advised to seek legal advice on financial settlements. A solicitor ensures that your financial arrangements are fair and legally binding.

 

Can I use the same solicitor as my spouse?

No. Using the same solicitor would create a conflict of interest. Both parties should seek independent legal advice.

 

Will involving divorce law specialists make the process more hostile?

Not at all. Many solicitors are members of Resolution, a group committed to resolving family issues without conflict. Specialist lawyers aim to reduce hostility, not increase it.

Will I have to go to court?

For the divorce process itself, you usually won’t need to attend court if both parties cooperate. If financial or child arrangements are agreed amicably, these can be formalized without a hearing. However, if no agreement is reached, you may need to attend court hearings.

Can I change my name after divorce?

You can change your name at any time by simply starting to use a new one. However, a deed poll or similar document is often required to update official records. You cannot change your children’s names without the other parent’s consent.

What if mental health issues affect one spouse’s ability to make decisions?

English law assesses capacity based on the specific decision at hand. If a spouse cannot understand and consider information related to financial settlements or divorce decisions, a doctor may be needed to assess their capacity. If they lack capacity, a ‘litigation friend’ can be appointed to make decisions in their best interests.

 

Are there alternatives to divorce?

Yes. Judicial separation, annulment, and separation agreements are possible alternatives. These options might suit those not ready for a full divorce.

 

What is collaborative divorce?

Collaborative divorce involves both parties and their solicitors committing to resolving issues without going to court. This process encourages open communication, reduces conflict, and allows couples to maintain control over decisions, particularly when children are involved.

 

What is mediation?

Mediation involves meeting with a neutral mediator to reach agreements on finances and child arrangements. It can be faster, cheaper, and less stressful than court. While the mediator does not provide legal advice, you can seek independent legal guidance alongside mediation. Agreements reached can be made legally binding with the help of a solicitor.

What is arbitration?

Arbitration is a form of dispute resolution where a neutral arbitrator acts like a judge, reviewing evidence and issuing a binding decision. Benefits include flexibility, confidentiality, and potentially lower costs compared to court. However, both parties must agree to arbitration, and fees for the arbitrator apply.

<< 1 >>


Services

Our Divorce Services

Testimonials

What Our Clients Are Saying

Get Started with Confidence

Book Appointment

January 2025
Mon
Tue
Wed
Thu
Fri
30
31
1
2
3
6
7
8
9
10
13
14
15
16
17
20
21
22
23
24
27
28
29
30
31
Insights & Advice

Latest Blog Posts