Financial Settlement
Our London financial settlement solicitors will explain what you may be entitled to and help you reach an agreement that protects your financial position. We advise on everything from straightforward settlements to cases involving substantial assets, companies, overseas property or concerns about hidden assets.
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Featured Financial Settlement lawyers
Resolving finances on divorce can be one of the most complex and important aspects of ending a marriage or civil partnership. Our financial settlement solicitors in London provide clear, strategic advice to help you achieve a fair and practical financial settlement, whether your case is straightforward or involves more complex assets.
Our work covers all aspects of divorce finances, including property, pensions, savings, business interests and high-value or complex asset structures.
We combine careful legal analysis with a pragmatic, outcome-focused approach to secure financial settlements that protect your long-term position.
If you need clear advice on dividing assets on divorce, we are here to support you every step of the way.
How Are Assets Divided on Divorce?
Are assets always split 50/50?
No. Financial settlements are not automatically divided equally. The outcome will depend on what is considered fair in the circumstances of the case.
The family home is often one of the most valuable assets in a divorce and can be dealt with in a number of ways depending on the wider financial position.
The outcome may depend on factors such as:
• The needs of any children
• The parties’ financial circumstances
• The availability of alternative housing
• The overall financial position
Possible outcomes include the sale of the property, transfer of ownership to one party, or arrangements allowing a sale at a later date.
These are examples of the matters the court may consider, and each case will depend on its individual circumstances.
Pensions on Divorce
What happens to pensions in a divorce?
Pensions can form a significant part of the matrimonial assets and should not be overlooked.
Depending on the circumstances, the court may make:
• A Pension Sharing Order
• A Pension Attachment Order
• An arrangement that offsets pension value against other assets
Specialist legal advice is particularly important where substantial pension assets are involved.
Hidden Assets and Financial Disclosure
What happens if my spouse is hiding assets?
Both parties are under a duty to provide full and frank financial disclosure during financial remedy proceedings.
If there are concerns that assets have not been disclosed, the court has powers to investigate the position and draw adverse inferences where appropriate.
Early legal advice is essential if you suspect that assets may have been concealed.
Financial Orders and Agreements
Do I need a financial order if we have already agreed everything?
In most cases, yes. Even where an agreement has been reached, it is important to formalise it through a court-approved financial order.
Without a legally binding financial order, financial claims can remain open indefinitely. This means either party may be able to bring further claims in the future.
A properly drafted financial order provides certainty, protects your assets and can achieve a clean break where appropriate.
What is a clean break order?
A clean break order is a type of financial order that formally ends all future financial claims between spouses. Once granted, neither party can make further claims against the other’s income, assets or pension.
This can be particularly important where:
• You want financial independence after divorce
• There are no ongoing maintenance arrangements
• Both parties wish to avoid future financial disputes
Not every case is suitable for a clean break, particularly where ongoing financial support is required, but it is often a key objective when reaching a final settlement.
Types of Financial Settlement
We advise on a wide range of financial settlements, including:
• Division of property and the family home
• Savings, investments and debts
• Pension sharing and pension offsetting
• Business assets and company interests
• High-value and complex financial cases
Our approach is focused on achieving a fair and practical outcome, whether through negotiation, mediation or court proceedings where necessary.
Why Choose Our Financial Settlement Solicitors in London?
Our team provides clear, strategic advice tailored to your circumstances, from straightforward cases to complex financial matters involving property, business interests and international assets.
Clients choose us because we offer:
• Clear legal advice in plain English
• Strong experience in complex and high-value financial matters
• Expertise in pensions, property and business assets
• Support with international and cross-border financial issues
• A practical, solution-focused approach
We understand that financial certainty is essential when moving forward after divorce, and we focus on achieving outcomes that provide long-term stability.
Speak to Us in Confidence
If you need advice on financial settlement on divorce in London, contact our London team to discuss your situation in confidence. We can help you understand your options, protect your financial position, and move forward with clarity and confidence.
Important
This page contains general legal information only and does not constitute legal advice. You should seek tailored advice from a qualified solicitor regarding your specific circumstances.
FAQs
The court considers a range of factors, including the needs of any children, each party’s income and earning capacity, housing needs, pensions and the length of the marriage. The aim is to reach a fair outcome based on the circumstances of the case, and this is not an exhaustive list.
No. The court aims to achieve fairness, not necessarily an equal division. The outcome depends on the circumstances of the case.
The family home is often a central issue in financial settlements. It may be sold and the proceeds divided, transferred to one party, or retained for a period before being sold at a later date, depending on the circumstances.
Pensions can be divided through pension sharing, attachment or offsetting against other assets, and should be carefully considered as part of the overall settlement.
Spousal maintenance is ongoing financial support paid by one party to the other after divorce. Whether it is required depends on factors such as income, earning capacity and financial needs. In some cases, a clean break may be possible instead.
Both parties must provide full financial disclosure. If assets are hidden, the court has powers to investigate and may take this into account when making its decision.
Yes. A carefully drafted financial order makes your agreement legally binding and prevents future claims.
Client reviews
What clients say about our financial settlement team
“I would highly recommend Arona St James solicitors. I had Phoebe Chau working on my family matters case. She did this with great care, compassion and clarity. She was extremely good with communication every step of the way. She kept me informed throughout the process and was highly professional. I am most grateful for her dedication and support. Thank you Phoebe!”
“I highly recommend Arona Sarwar an immigration solicitor from Arona St James for her expertise with my ILR case as a child dependent to a skilled worker especially as I am now an adult. We had to work with the firm about my dependency and explore the continuous residence carefully, the case worker guidance was looked at as this can change throughout the several months and a grant emerged. I was nervous as I could not travel at firm due to my studies and time out exceeded the period but was discounted in the end which settled my anxiety over a possible refusal. My case as you can see had a few complications, but the immigration solicitors understood how children under support of their parents don’t live independently for some time once they turn 18. Arona Sarwar insights helped us a lot through this process and I can now just enjoy being young again without what the news alarming me that my future is uncertain. I highly recommend this small female run law firm which to me is incredibly knowledgable, well established, and diverse. I highly recommend this law firm for skilled worker dependents ILR advice.”
“I would highly recommend Arona St James solicitors. I had Phoebe Chau working on my family matters case. She did this with great care, compassion and clarity. She was extremely good with communication every step of the way. She kept me informed throughout the process and was highly professional. I am most grateful for her dedication and support. Thank you Phoebe!”
“I’ve used Arona St James for many years, especially for family, my Wills and other matters, and I’ve always been met with honesty, professionalism, and clear guidance no matter how difficult or complicated things have been. I’m very grateful to Arona and Phoebe for their expertise and professionalism, and to the whole team for being so supportive. They treat me with respect, understanding, and humanity, which makes a big difference during these challenging times. Thank you.”
“I recently used the checking-in service offered by Arona St James Solicitors for my British citizenship application, and I was thrilled with the results. Arona Sarwar checked my application for merit and eligibility, ensuring every detail was in order once I had provided all the necessary documents. One aspect that particularly stood out was her assistance with a challenging question about my marital status on the form. Despite the seemingly straightforward nature of the question, I was uncertain about how best to answer it to avoid any doubts from the Home Office agent reviewing my application. Arona provided me with two clear and simple sentence options to address this concern. I submitted my application on August 20th, 2024, and by October 7th, I received an email from UKVI confirming that my application had been successful. The entire process was efficient, and stress free, thanks to Arona’s guidance. This wasn't my 1st positive experience with Arona St James Solicitors. They also successfully assisted me with my settlement application in 2019, providing the same level of expertise. I wholeheartedly recommend the checking-in service provided by this firm.Their attention to detail and efficiency at untangling complex situations truly set them apart. If you are looking for reliable and efficient assistance with your immigration matters, look no further than Arona St James Solicitors. Thanks Arona for making this process easy and ensuring my success!”
“I have known Arona Sarwar, Solicitor, for over 5 years, and she handles all my immigration affairs and other advice when I need it; she is supportive, highly knowledgeable and a very tactical solicitor. Her staff are friendly and also assist, so you feel supported by her team. I have just got my British Passport and now run a successful small business in London. I highly recommend those applying to seek her advice, as she is one of the best immigration solicitors out there and should be shouted about a lot more. I celebrate Arona St. James Solicitors as a firm enriched with diversity, my money goes to support the right business with huge expertise and will not be forgotten from my side, highly value this firm.”
“I have lived in the UK for over 10 years relied on other solicitors but this firm changed my life, worked hard during this pandemic to help me successfully win my case and I would always recommend this firm as brilliant set of solicitors to work with expertise is formidable and very outcome based. I had the head of the team Arona Sarwar and her caseworker Emma work together to secure my win. Highly recommend”
“To try and obtain a settlement visa during a Covid lockdown was going to be a challenge, but Arona and her team did just that. She had the patience, expertise and access to key people in order for my application to be processed quickly. She understood our urgency and explored every option wherever we needed it. We highly recommend her with great confidence.”
“As an Egyptian who applied for asylum (international protection) in the UK I met with several immigration lawyers. They were helpful to me but the most helpful, and the person who had the most in-depth knowledge of both the conditions in Egypt and of my situation as a gay man was Arona Sarwar of Arona St James. She impressed me because she knew exactly what information was relevant to support my claim for international protection and she knew how to draft an effective personal statement and eliminate background information that was not relevant. I would therefore recommend her to anyone and especially to people from the Middle East who want a solicitor that has insightful and she is in my opinion, an outstanding solicitor who will guide you through this very difficult process. I got a distinction in my Master’s and I can’t wait to settle down in my career and build my home in the UK.”
“I had been here in 9years and fought to get international protection. I had 5 firms before I found Arona St James so I can compare the legal team here against others. From the outset firm had time for me, they listened to me, where I felt defeated and low they encouraged me to get to a happy place and then took my history. I felt supported that I could talk freely more to them which made the difference and I have no doubt this helped me secure my stay. This firm is incredibly knowledgeable and have years of experience within the field of immigration law and with dealing with a person’s case through to succession. A lot of the media talk about hostile environment faced by immigrants so having a strong law firm that supports you I think he is key when selecting your legal representative. The biggest step for me was first meeting with them and being told that they would act. I would encourage those who have strong cases and poor representation to go to Arona St James and you will find a brilliant Immigration Law firm, that will be honest and engaging with you. If they take on your case they will fight it like no other firm that I have dealt with in the past. They followed up on my immigration case, which had been stagnate for years at the Home Office, they accompanied me to my appointments and advised me throughout ( by phone, by email, and through our meetings) so I was confident handling myself more. They prepared my evidence for my hearing and instructed an exceptional barrister, again it was important that I felt relaxed around her, and from my initial meeting I knew she understood my plight, it was clear she had read the papers and fought my case. My solicitor Arona Sarwar is a powerful solicitor, when you meet her and work with her you know you are in safe hands, she is strategic and her legal expertise in this field is obvious, her presence is felt. Arona St James prepared my case for the hearing and for UKVI and this assisted my win. Without this firm I would not have secured my stay and I highly recommend them to all immigration clients.”
“I was recommended to Arona Sarwar of Arona St James. I am from Yemen and worked all my adult life as a police officer in the Dubai Police Force. I lost my job and my residency, whilst I came to visit my wife in the UK. Recently I was awarded Humanitarian Protection thanks to Arona Sarwar, as it is unsafe for me to return to Yemen. I am restarting my life with my family. I am now in a safe place and away from harm’s way. Yemen is a place of unrest and remains an unsafe country. This law firm has a great team of Immigration caseworkers who work long and hard on cases. I was accompanied to all my interviews and represented. I felt supported throughout and you noticed how determined Arona was to fight for me. She ensured she got to know me, my family before finalising my arguments. Also my family were pleased with having her on board. I would recommend her to those who want an intelligent confident solicitor that just makes you feel she will not give up. You know from the beginning she has the experience and will do what’s best for you. I am protected and sleep well at night now. My life has changed for the better. A big Thank you to everyone at Arona St James Solicitors”
“I am Hungarian EEA national. I applied for my permanent residence with my husband and was treated very poorly by the Home Office, they raided my home. The officers were quite hostile to me as my husband had moved out and I had not informed them. I thought up until I divorce I am still married, so could not see why they were shouting at me …….that I had lied to them and that It was too late and I would have to leave the UK. I have been in a relationship with my husband since 2009 and they made me feel like a criminal. I spoke with Arona about the visit, she intervened and made urgent representations addressing them that my husband would qualify for stay under retained rights as if I had divorced my husband he would still qualify and resolved matters for us both swiftly. This was important for me as well as I was securing my permanent residence and the whole process was unfair, they took three months and I was in limbo about my rights and my husbands. I have known Arona since 2010, she helped us secure our residence certificates. What I would like to say Arona Sarwar was very supportive, patient, understanding during our difficult period and her expertise just shines through, the ease at which she is able to unpick the mess and present it fairly and transparently helped us resolve all our affairs properly. For me she is one of the best Immigration solicitors around. Words can not express how grateful we are to her and her team. We can get on with our lives now Arona Sarwar is best of the best out there. Highly recommend her for her expertise and the best person to turn to on complex cases.”
“My journey with my solicitor, Arona Sarwar, is one of Tier 1 Investment client through to settlement. I came to the UK initially as an undergraduate student and remained one until I had secured my doctorate. As time passes, I realized that I belong here, and I started to nest. I slowly but surely moved much of my possessions over from New York including my prized Steinway piano and consequently decided to switch to an investment visa. Arona had helped me with the initial transition and then helped again to apply for my extension. On both occasions, I had elected the Super Premium Service. During the extension, I fell short in the investment funds that were invested due to a logistical error on my part, but she argued my case with the investment team at UKVI and successfully secured my grant, too my relief. I maintained my investments and recently applied for settlement. I am pleased to confirm that Arona had secured this for me despite the fact that I had only given her instructions a day before the expiration of my visa. She had dropped everything and worked very hard to resolve any issues which have arisen as a result. I can state that she is knowledgeable, meticulous, versatile and exceptionally talented immigration solicitor that I could and do always turn to whenever I need advise. Having a relaxed approach towards clients combined with a very tough and confident approach with the other side can be seen with time. One can notice the ease, at which she works, and that is reflection on her years of experience, which gave me comfort that I was in safe hands. I would advocate any commercial, high-networth immigration applicants to ensure they contact Arona for a honest opinion and successful approach. She certainly went on a journey with me, and I will no doubt turn to her when it is time to apply for nationality as I do have every confidence in her having ability and temperament to help me again in the future.”
“I have known Arona Sarwar through my business dealings with her for several years, through my accountancy practice, as she advices many of our high net worth business clients on business visa’s and investment routes into the UK. She is a highly regarded and respected practitioner. Our practice has instructed magic circle firms but have found her knowledge and legal service outshines their, her hands on approach and quick mind allows my practice to call her to strategically assess our clients needs and find the right solution. We have seen her take on cases and see them through positively. I personally used her services to apply for my wife's application for a UK visa under the priority service. As always I found her to be extremely helpful and knowledgeable with exceptional client care skills. Brilliance”
“I do not think I can put it in words just how brilliant Arona's law firm has been when dealing with my case. I must be their longest running case in their books and not due to the fact that they were not dealing with my case but because I was always too scared to move forward. Sometimes you are not ready to deal with things and that for me has been a long process. However due to Arona's patience and gentle persuasion, we were able to finally put forward my legal case. Arona's immigration team were brilliant; Jessica and Deborah (counsel) formed part of my formidable legal team. From the outset, they got to grips with my case and I could see that they got to know me in depth, understanding my personal situation., in order for me to secure international protection. it is noticable that Arona's team are incredibly committed to the LGTBQ issues and do all they can to help their clients. More importantly they make them feel comfortable and safe, something that is not easily achieved given what most all LGTBQ people seeking asylum has had to endure in their own unsafe country. Without Arona I would not have been granted my leave to remain, I am sure of that, the firm's hard work and determination got us here. Even after the home office refusal there was no doubt in their minds I needed to secure international protection, pushing forward with my case and vase managing my appeal; which we of course we won. All I can say is thank you team Arona Sarwar and to her team, Jessica and Deborah, you are simply the best immigration lawyers. And I will be recommending your firm to anyone who needs legal advice without a second thought.”
“Arona Sarwar was recommended to me. She has acted for my partner and secured his residence card, post a difficult time getting married. She also just secured my permanent residence as an EEA under the self employed route in a very difficult climate. Brilliant mind. Always on the other end of the line. Will always turn to her for my personal and business immigration needs and the ones of friends and family, to whom I will definitely keep recommending her. Sheer brilliance”
“Six years ago my partner and I were deeply worried with his status but fortunately after changing our immigration lawyers and having the step by step guidance Arona Sarwar and her friendly and dedicated team we are enjoying our lives together. We now use Arona Sarwar for all our immigration needs. I can wholeheartedly recommend their services.”
“I was desperately looking for a good lawyer to take on my asylum case. I first met Arona Sarwar in and around January, 2015. She took my case on, helped me from when I applied, she accompanied me to the Home Office with me and advice me on my application. I secured international protection two months after having had my substantive interview. I was over the moon and relieved that I can now begin to live my life. I can’t describe the weight that has been lifted off my shoulder. During my case preparation I met with Arona Sarwar every week. She is not only a good lawyer, she is understanding and friendly to those with asylum case, this helped me enormously as I felt so comfortable to share with her private aspects of my life. I appreciate the hours spent preparing my case and this gave me hope. Her dedication for clients is 100%. I am happy and completely satisfied with the legal advice received. I highly recommend her to those who are going to claim asylum in UK. I am sure you won’t be disappointed.”
Arrange a confidential consultation
Contact us today via email on assistance@aronastjames.co.uk or via telephone on 020 8175 5000 to arrange a confidential consultation and discuss your circumstances with one of our family solicitors.
