What is a consent order?

A consent order is a court order that records a financial agreement you have both reached and makes it legally binding. It is applied for during or after the divorce and is a separate application from the divorce itself.

Can CalmSplit advise me on what I should agree?

No. CalmSplit is a self-help technology platform and is not a firm of solicitors, so we do not give advice on what your financial settlement should be. If you want advice on that, we can refer you to an independent solicitor.

What does the £159 CalmSplit fee cover?

It covers preparing and managing your divorce application from start to final order: the questions, the paperwork, guidance and progress tracking. It does not include a financial settlement or a financial court order, which are separate.

Ending your marriage

The divorce itself. CalmSplit, £159 per person.

Sorting your finances

Property, pensions, savings and debts. A separate process.

These two processes are connected but separate. Your divorce does not by itself decide who keeps what.

Divorce and debt

Written by CalmSplit Editorial TeamReviewed by Ramani GillLast reviewed 13 August 2026England & Wales

Debts are part of the financial picture and reduce what there is to divide. Legally, the person named on a debt remains liable to the lender. A court order can decide who pays as between the two of you, but it does not change your contract with the lender.

CalmSplit takes care of the divorce itself: you answer plain-English questions online and we prepare and manage your application to HMCTS for a one-off £159 per person. Your financial arrangements are handled separately.

The divorce ends the marriage. It does not divide your money or property
£159 one-off per person for the divorce, court fee paid separately to HMCTS
CalmSplit is a self-help platform, not a law firm. Independent solicitor referrals are available

CalmSplit fee

£159one-off, per person

One-off CalmSplit fee. HMCTS court fees are paid separately to the court.

Start your divorce free

No payment to begin. £159 one-off when you are ready to prepare your application. Court fees are paid separately to HMCTS.

See how it works

Joint versus sole debts

Joint debts: both of you are liable to the lender for the whole balance
Sole debts: only the named person is liable, but the debt still counts in the overall picture
Debts taken on for the family are usually treated as shared in the negotiation
Reckless or hidden spending can be taken into account

Practical steps

List every debt with balances and monthly payments
Keep payments going where you can, to protect both credit files
Record in your consent order who is responsible for what
Get free debt advice if repayments are unaffordable

Two separate processes

It helps to keep two things apart. Ending your marriage is a court process that follows a fixed timetable and does not look at your finances. Sorting your finances is about who keeps what: the home, savings, pensions and debts. You can run them side by side, but one does not automatically decide the other.

Ending your marriage: the divorce application, conditional order and final order
Sorting your finances: an agreement between you, and usually a financial court order to make it binding
CalmSplit's £159 fee covers the divorce itself, not a financial settlement

When to get advice

Consider independent legal or financial advice where there are pensions of real value, a business, complex property, significant debts, or where you are unsure whether what you have agreed is reasonable. CalmSplit can refer you to an independent solicitor. That does not change your £159 CalmSplit fee, and we do not take a fee for the referral.

Frequently asked questions

No. The divorce ends the marriage. Money, property, pensions and debts are dealt with separately, either by an agreement between you or by a financial order made by the court. Getting divorced does not by itself end financial claims between you.

Related CalmSplit pages

Online divorce with CalmSplit£159 per person, one-off. Start free and see your route first.Who pays joint debt after divorce?Liability to lenders versus what you agree.Financial settlement in divorceWhat a settlement covers and how it is recorded.Consent orders explainedHow an agreement becomes a binding court order.Divorce and savingsSavings, investments and what happens to them.

Start your divorce free

No payment to begin. £159 one-off when you are ready to prepare your application. Court fees are paid separately to HMCTS.

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