Consent Order Template UK: What to Include & Why Free Templates Can Be Risky

Posted on 16 February 202611 September 2026 by Georgina Hitchins

OLS Solicitors Blog

Consent Order Template UK: What to Include & Why Free Templates Can Be Risky

By Georgina Hitchins on February 16, 2026

Consent Order Template UK example with solicitor reviewing clean break wording

Consent Order Template (UK) – Example Wording & Why I Don’t Recommend Relying on Free Templates

If you’re searching for a consent order template, you’re probably in one of these situations:

You’re going through a divorce and you’ve agreed the outcome.
You want a clean break and you’re looking for standard wording.
You’ve found a “free” template and you want to know what should be included.

I understand why people search this. When you’ve already agreed everything, it can feel like the final step is “just paperwork”.

But a consent order is not just paperwork. It is a legally binding agreement between two parties that becomes a court order. If it’s drafted incorrectly, the court may reject it. Even worse, it may be approved in a way that leaves financial claims open.

What a Consent Order Actually Does

A consent order is the document that turns your financial agreement into an enforceable court order. In plain terms, it sets out how to work out splitting up money, property and possessions in a way the court can approve and enforce.

In most cases, the goal is to finalise your divorce financial settlement so that:

assets are transferred or sold as agreed
pensions are dealt with properly (if relevant)
ongoing maintenance is set (or dismissed)
you can achieve a full clean break

Financial settlement is the point in the divorce process where you convert your agreement into something legally final. Without a sealed consent order, financial claims can remain open.

What I Include in a Standard Consent Order

I don’t lift wording from a generic template. I draft to match the specific facts. But most orders include the sections below.

1) The Introductory Wording

This identifies the parties, the court, and confirms the order is by consent. It typically begins along the lines of:

Upon the application of the Applicant and by consent
And upon the court being satisfied that the terms of this order are fair
IT IS ORDERED THAT:

2) Property Clauses (Sale or Transfer)

Example: sale of the former matrimonial home

The property at [address] shall be placed on the open market for sale within 28 days.
Upon completion of sale, the net proceeds of sale shall be divided 50/50 between the parties.

Example: transfer of the property to one party

The Respondent shall transfer all their legal and beneficial interest in the property at [address] to the Applicant within 28 days.

In real cases, I also draft the practical details that templates often skip: mortgage responsibilities, deadlines, indemnities, what happens if the sale stalls, and how the proceeds are calculated.

3) Lump Sum Clauses

Example: lump sum payment

The Respondent shall pay to the Applicant the lump sum of £25,000 within 56 days of this order.

4) Spousal Maintenance Clauses (If Applicable)

Example: maintenance is payable

The Respondent shall pay spousal maintenance to the Applicant in the sum of £500 per calendar month until 1 January 2028.

Example: no spousal maintenance

There shall be no order for spousal maintenance.

This is an area where drafting matters. Sometimes the right outcome is a dismissal. In other cases, a time-limited arrangement is safer. Templates rarely help you decide which is correct.

5) Pension Clauses (Where Relevant)

If pensions are involved, the wording must be technically correct and matched to the disclosure. This is a common reason the court rejects DIY orders.

Example: pension sharing order

There shall be a pension sharing order in favour of the Applicant in respect of 40% of the Respondent’s pension scheme under section 24B of the Matrimonial Causes Act 1973.

In some cases there may be a transfer of some income-generating assets (including pensions or investments). If that’s relevant, it must be drafted cleanly and in a way the court and any pension provider can implement.

6) The Clean Break Clause

This is often the most important clause for people searching for a clean break and a consent order template.

Upon compliance with the terms of this order, there shall be a clean break between the parties.
Neither party shall have any further claims against the other under the Matrimonial Causes Act 1973.

7) Dismissal of Future Claims

This is the part many templates get wrong. A proper consent order is an arrangement under which a couple’s assets and financial affairs are separated upon divorce. It must dismiss the right claims in the right way, covering capital, income, pensions, and often other categories depending on the case.

Why Free Consent Order Templates Often Fail

People often come to me after trying a free consent order template because the court has queried or rejected the draft. In my experience, the main problems are:

1) The Court Compares Your Draft to Your D81

When you submit a consent order, the judge looks at the draft order alongside your Statement of Information (Form D81). If the proposed outcome does not appear fair, or the drafting is not court-ready, it can be rejected.

2) Templates Don’t Cover Your Specific Risks

An agreement between spouses on how to split their assets and liabilities needs to match the reality of your case: housing needs, income differences, pension values, debts, business interests, and how quickly assets can be implemented. A template can’t assess that.

3) Future Claims Can Stay Open

If the dismissal wording is incomplete, you may think you’ve finished your divorce financial settlement process, but your ex could still have claims later. That’s exactly what a properly drafted consent order is designed to prevent.

When a Template Might Be Low Risk

A DIY template is usually only low risk in very limited situations, for example:

short marriage
no property
no pensions
no children
both parties financially independent

Even then, I recommend a solicitor checks it before you submit it, because the cost of getting it wrong is often far higher than the cost of doing it properly.

Why I Recommend a Solicitor-Drafted Consent Order (or Divorce-Online)

A template gives you words. A solicitor gives you protection.

Calculating a divorce settlement involves several key steps: understanding the asset picture, assessing fairness, deciding the correct structure (including pensions and maintenance), and then drafting an order the court will approve.

Using a solicitor-led service helps you:

reduce the risk of rejection
ensure correct legal dismissal wording
protect against future claims
deal properly with pensions and complex assets

Most importantly, it turns your agreement into a reliable court-approved outcome — not just a draft pulled from the internet.

Get a Solicitor-Drafted Consent Order

If you arrived here searching for a consent order template, the safest next step is to use a fixed-fee service so your order is drafted correctly and approved first time.

Get a solicitor-drafted Consent Order (OLS Solicitors)

Fixed-fee Consent Order service (Consent-Orders-Online)

OLS Solicitors vs Divorce-Online: Which is right for you?

Feature	OLS Solicitors	Consent Orders Online
Best for	Clients who want a solicitor-led service with direct legal oversight	Clients who want a guided, fixed-fee online route with solicitor drafting
Drafting	Solicitor drafted	Solicitor drafted (fixed-fee service)
Court-ready wording	Yes — drafted to match D81 and improve approval prospects	Yes — structured intake and solicitor drafting for compliance
Clean break	Yes — correct dismissal wording to secure a clean break where appropriate	Yes — clean break order drafted where appropriate
If you started from a template	Ideal if you want a solicitor to draft from scratch or sanity-check your agreement	Ideal if you want a guided process rather than editing a DIY template
Get started	View OLS Solicitors Consent Order service	View Consent Orders Online Services Page

My Final View

Searching for a consent order template is completely understandable — you want to keep costs down.

But your consent order is meant to lock down your finances and bring the divorce financial settlement process to an end. If your aim is a full clean break, the drafting must be correct.

If you want to avoid mistakes and get it approved first time, a fixed-fee solicitor-drafted service is usually the safest route.

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Pets and divorce – what does the law say about who keeps the family pet?

Posted on 16 February 202616 April 2026 by Lara Davies

OLS Solicitors Blog

Pets and divorce – what does the law say about who keeps the family pet?

By Lara Davies on February 16, 2026

exploring case law as to who keeps pets in a divorce

What FI v DO Tells Us About Pet Ownership and Finances

There’s no denying it — pets are family. But in the eyes of the law, they’ve traditionally been treated very differently. The Family Court’s decision in FI v DO [2024] EWFC 384 (B), handed down in December 2024, has brought much-needed clarity (and sparked fresh debate) about how pets are handled when a relationship breaks down.

Background: Why FI v DO Matters

In FI v DO, the court was asked to decide on the usual financial issues following divorce — including the family home, maintenance and the division of assets — but also on something far more personal: who should keep the family dog.

Although pets are still legally classed as “chattels” (personal property), this case shows a clear shift in how the court approaches disputes involving companion animals. The couple’s golden retriever became the focus of detailed evidence about day-to-day care, attachment, routine and stability — not just paperwork or who originally paid.

The judge ultimately ruled that the dog should remain with the wife. A key reason was that, since separation, she had been the dog’s primary caregiver, the dog had lived with her and the children, and that home provided a familiar and stable environment.

Pets in Divorce: The Current Legal Position

Under English law, pets are still treated as property, and the court’s power to deal with them generally sits within financial remedy proceedings (as part of the overall division of assets). However, FI v DO shows that judges may look beyond the label of “property” when deciding what’s fair and workable.

Who paid isn’t everything. The court may be less interested in who bought the pet and more interested in who has actually been caring for it.
The animal’s living situation matters. Continuity of care, attachment to a particular household and day-to-day stability are increasingly relevant.
Welfare is not a full “best interests” test (as in Children Act proceedings), but it can still influence how a judge uses their discretion within the property framework.

It’s important to add that FI v DO is not a binding precedent in the way a higher court decision would be — but it is highly likely to influence future negotiations and the way similar disputes are argued.

From Dogs to Horses: Broader Implications

For many clients — particularly in rural communities and among equestrian families — the implications go beyond dogs and cats. Horses, ponies and other animals can be deeply woven into family life, and sometimes into a family’s finances too.

If you’re separating, it’s worth thinking about:

Are the animals central to daily life or income? Horses may have commercial value (competition, breeding, training or riding schools), which can complicate how they are treated within a financial settlement.
Who actually provides the care? Evidence of feeding, mucking out, exercising, vet visits, farrier appointments and training can help show the reality of the caregiving role — just as it did in FI v DO.
Do financial contributions reflect ownership? With horses, ongoing costs can be significant (livery, vet bills, insurance, transport, tack). But contribution alone may not determine who keeps the animal.
Are children involved? For many families, pets and horses form part of a child’s routine and emotional wellbeing. While the court doesn’t make “child arrangements” for animals, this can still be persuasive when shaping an overall settlement.

In some cases, horses may be treated more like high-value assets than companion pets. Even so, the approach in FI v DO suggests the court is increasingly willing to look at the lived reality of the relationship between people and animals — not just paperwork.

Practical Steps for Clients

Whether you’re dealing with a family dog or a stable of horses, the best outcomes usually come from tackling the issue early and sensibly.

Encourage clarity early on.
Discuss arrangements for pets and animals at the outset of separation — ideally before positions harden and conflict escalates.
Consider agreements in advance.
A “pet-nup”, shared stewardship agreement or co-ownership document can help record your intentions. These aren’t binding in the same way as a nuptial agreement, but they can be persuasive evidence of what you both agreed.
Keep evidence of caregiving.
Records of who provides day-to-day care (and who pays which expenses) can be crucial if the dispute becomes contested. Vet records, insurance documents, training invoices and livery agreements may all help.
Approach the dispute holistically.
Just as with children and finances, animals should be part of the overall separation plan — not an afterthought.

Conclusion

FI v DO reflects how the law is evolving — slowly and pragmatically — to recognise the emotional and practical reality of pets in family life. While animals remain legally classed as property, the court is showing a willingness to look beyond strict ownership and towards the real-world bonds and caregiving arrangements that underpin modern families.

For anyone advising or going through separation, the message is simple: pets (and horses) matter. The way you handle those discussions — and how well you prepare — can affect not only the financial outcome, but also everyone’s emotional wellbeing.

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Power of Attorney Fraud Is Rising: What Families Need to Know

Posted on 6 February 202616 February 2026 by Lara Davies

OLS Solicitors Blog

Power of Attorney Fraud Is Rising: What Families Need to Know

By Lara Davies on February 6, 2026

Digital fraud targeting elderly people through powers of attorney, showing an elderly woman reviewing documents, a power of attorney form, and a cybercriminal using a computer.

The Growing Risk of Power of Attorney Fraud Against Elderly People

Digital fraud targeting elderly and vulnerable people is increasing at an alarming rate. We are seeing a sharp rise in cases where criminals exploit powers of attorney to gain control of someone’s finances, often without immediate detection. Recent figures suggest this type of fraud has increased by as much as 300%, raising serious concerns for families across England and Wales.

Key Takeaways

Fraud involving powers of attorney has risen significantly, with elderly people most at risk.
Criminals may use phishing emails, fake websites, and social engineering to obtain personal information.
Abuse can go undetected for long periods due to small, gradual financial withdrawals.
An ageing population and increased digital processes may be contributing to the rise in fraud.
Early planning and oversight may help reduce the risk of financial abuse.

The Rise of Power of Attorney Fraud

We are increasingly supporting families affected by fraudulent or abused powers of attorney. Cybercriminals may manipulate the legal process by forging documents or misusing legitimately registered powers of attorney, allowing them to make financial decisions on behalf of an elderly person.

These schemes are often sophisticated and designed to exploit individuals who may not be confident using digital technology. Once control is gained, fraudsters may withdraw funds, sell property, or otherwise benefit financially at the expense of the vulnerable person.

How Criminals Carry Out This Type of Fraud

In many cases, criminals begin by gathering personal information. This may involve:

Phishing emails designed to look like legitimate communications
Fake websites that collect sensitive personal data
Social engineering tactics, such as posing as professionals or trusted contacts

This information may then be used to create fraudulent power of attorney applications or to interfere with an existing arrangement. Because the misuse often involves small, regular transactions, it may not be noticed straight away.

Why Elderly People Are Particularly Vulnerable

This type of fraud appears to be increasing alongside rising dementia rates and an ageing population. More people now rely on others to help manage their affairs, which can create opportunities for abuse if safeguards are not in place.

The shift towards digital legal services, accelerated during the pandemic, has also reduced face-to-face verification in some situations. While digital processes can be more convenient, they may also present additional risks if not carefully monitored.

What the Figures Tell Us

Data from the Office of the Public Guardian (OPG) highlights the growing scale of the problem. According to its most recent annual report, investigation cases increased from 2,849 to 3,647 in a single year, representing a 28% rise. The OPG also supervised over 60,000 deputyship cases, reflecting increasing demand for oversight and protection.

These figures are referenced for general information only and should be reviewed by a solicitor for accuracy and context.

Steps Families Can Take to Reduce the Risk

While no system can eliminate fraud entirely, there are practical steps families may consider:

Regularly reviewing bank statements and financial activity
Maintaining open conversations with elderly relatives about money and decision-making
Being alert to sudden or unexplained changes in financial circumstances
Setting up a legitimate lasting power of attorney early, with appropriate advice

Having a properly prepared and registered lasting power of attorney may offer a level of protection and clarity, particularly if it is put in place before capacity becomes an issue.

When to Contact the Office of the Public Guardian

If there are concerns that an attorney or deputy may be abusing their position, the Office of the Public Guardian has authority to investigate where a registered power of attorney or court order exists. The OPG typically risk-assesses the majority of concerns within two working days, which can provide important safeguards.

The Need for Stronger Safeguards

As technology evolves, so do the methods used by fraudsters. We believe there is a continuing need for stronger digital security and verification processes that balance accessibility with protection. Addressing this issue may require cooperation between legal professionals, technology providers, and public bodies.

Education and Awareness Are Key

Fraud often thrives where there is a lack of awareness. By talking openly about the risks and educating families and vulnerable individuals, it may be possible to reduce the number of successful attempts and limit the harm caused.

Frequently Asked Questions

What is a power of attorney?

A power of attorney is a legal document that allows one person to make decisions on behalf of another. In England and Wales, this is commonly a lasting power of attorney, covering financial matters, health and welfare, or both.

Can a power of attorney be abused?

Yes. While most attorneys act properly, abuse can occur. This may include misuse of funds or making decisions that are not in the donor’s best interests.

What should I do if I suspect fraud?

You may wish to seek legal advice and contact the Office of the Public Guardian if a registered power of attorney is involved. In some situations, it may also be appropriate to contact the police or a financial institution.

How We Can Help

If you are concerned about potential financial abuse, misuse of a power of attorney, or want advice on putting the right protections in place, we can help. Our team regularly advises families on safeguarding vulnerable relatives and responding to suspected abuse.

Contact us today to discuss your concerns confidentially and find out how we may be able to support you.

Legal Disclaimer: This article is for general information only and does not constitute legal advice. The law relating to powers of attorney and fraud in England and Wales can be complex and fact-specific. You should seek advice from a qualified solicitor about your individual circumstances. References to legislation or public body data should be independently verified.

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Do You Need a Consent Order After Divorce – And the Risks of Not Getting One

Posted on 3 February 202624 April 2026 by Georgina Hitchins

OLS Solicitors Blog

Do You Need a Consent Order After Divorce – And the Risks of Not Getting One

By Georgina Hitchins on February 3, 2026

Why you need a consent order after divorce and the risks of not getting one – OLS Solicitors

Why Obtaining a Consent Order Is Crucial in a Divorce

When a marriage ends, sorting out your financial settlement is the point in the divorce process that protects you long-term. Even if you and your ex-spouse agree everything between yourselves, that agreement is not properly “finished” unless it is approved by the court.

A Consent Order is the document that turns your agreement into a legally binding agreement between two parties. It is the main way to close off future claims and give you certainty.

What is a Consent Order?

A Consent Order is a court order that sets out an agreement between spouses on how to split their assets and liabilities on divorce. Once approved by a judge, it becomes legally enforceable.

It can deal with:

Property (including the family home)
Savings and investments
Pensions (including pension sharing)
Debts and liabilities
Spousal maintenance (where appropriate)
A clean break (where appropriate)

The Biggest Risk: Your Finances Stay “Open” Without a Consent Order

One of the most common misunderstandings we see is that once the divorce is finalised, the finances are automatically finalised too. They are not.

Without a Consent Order, your finances remain open. That means either of you may be able to bring a financial claim later, even years after the divorce has completed. In practical terms, your divorce financial settlement is not fully protected unless it is sealed by the court.

Risk 1: Informal Agreements Are Not Enforceable

You might have a written agreement, emails confirming what you both agreed, or a friendly “we’ll do it this way” arrangement. But without a Consent Order, it may not be enforceable in the way people assume.

If one person changes their mind later, the other may have to start again and ask the court to decide. That can turn a simple agreement into a costly dispute.

Risk 2: Later Changes in Money or Circumstances Can Trigger Claims

Life changes. Someone gets an inheritance. A business takes off. A pension grows. A new relationship starts. Circumstances shift.

Without a Consent Order, these changes can become a trigger for new claims. Even if you divorced amicably, future regret or financial pressure can cause one party to revisit the past.

Risk 3: Pensions and “Hidden Value” Often Get Missed

People commonly focus on the house and savings, but pensions are often one of the largest assets in a marriage. A Consent Order allows pensions to be dealt with properly, including where there may be a pension sharing order.

It also helps ensure that other assets aren’t overlooked, such as shares, bonuses, business interests, or assets held without obvious paperwork.

Risk 4: You May Not Get a Clean Break Unless It Is Ordered

Many people want a clean break so that neither person can make financial claims in the future. A clean break is not automatic. It must be set out in a court order.

If you want certainty, the right document is a Consent Order that includes the correct clean break clauses (where appropriate for your situation).

How to Obtain a Consent Order

In most cases, the process follows a clear timeline:

You both agree a financial outcome (even if it’s a simple split).
Financial disclosure is completed (so the court can see the agreement is fair).
The Consent Order is drafted in the correct legal format.
The documents are submitted to the court with the relevant fee.
A judge reviews the paperwork and, if satisfied, approves the order.

Why Legal Advice Matters

A Consent Order needs to be drafted properly. If it is vague, incomplete, or doesn’t cover important issues, it can be rejected or leave you exposed later.

Legal advice helps ensure:

Your agreement is correctly recorded and enforceable
The court has the right information to approve it
Important assets (like pensions) are not missed
The order achieves a clean break where suitable

Final Thought: A Consent Order Is the Safest Way to Protect Your Future

If you want to properly close off financial claims following divorce, a Consent Order is the key step. Without it, the agreement you reached may not provide the protection you think it does. Do not even think about using AI or downloading a template for your consent order to save money.

If you would like help preparing a consent order our family law team at OLS Solicitors can guide you through the divorce financial settlement process and ensure your agreement is turned into a court-approved order you can rely on.