Form E and financial disclosure
Form E financial disclosure.
Form E is used to set out financial information during divorce or financial remedy proceedings. Mediation can help both people understand what needs to be discussed, what information may be needed, and how financial issues can be approached in a structured way.
Recently separated?
Unsure how to sort finances?
Need to organise disclosure?
Want to avoid court where possible?
What Form E is for
Form E is a detailed financial statement. It helps set out income, property, pensions, savings, debts, liabilities and future financial needs.
Financial mediation and Form E
Financial disclosure is often the starting point for fair discussions.
When separating couples need to discuss money, property, pensions or debts, both people usually need a clear picture of the financial position before meaningful proposals can be explored.
Mediation can help keep that discussion focused. The mediator does not complete Form E for you, give legal advice or decide what is fair. The mediator helps both people identify the issues, exchange information and discuss possible ways forward.
Information usually covered
Form E brings together the main financial areas that may need to be considered.
Property and housing
The family home, other property, mortgages, equity, sale costs and future housing needs may need to be discussed.
Income and needs
Income, benefits, employment, self-employment, living costs and children’s expenses can affect what arrangements are realistic.
Pensions and savings
Pensions, bank accounts, savings, investments, insurance policies and other assets may need proper disclosure.
How mediation can help
Mediation can help structure financial conversations before positions harden.
- Identify what financial information is still needed.
- Help both people discuss disclosure in a neutral setting.
- Keep conversations focused on property, income, pensions, debts and future needs.
- Explore possible proposals without the mediator taking sides.
- Record proposals for legal advisers to review where appropriate.
- Support practical discussion before court becomes the main route.
Form E sections
A simple guide to the main parts of Form E.
Section 1: General information
This section covers basic information about the parties, the relationship, children, health, living arrangements and background details. It helps identify the family circumstances before the financial information is considered.
Section 2: Financial details
This section covers the main financial picture, including the family home, other properties, bank accounts, savings, investments, insurance policies, valuables, liabilities, businesses, directorships, pensions and income.
Section 3: Financial requirements
This section looks at future needs. It may include income needs, housing needs, children’s costs, regular household spending and any capital needs that may be relevant to future arrangements.
Section 4: Other financial circumstances
This section can cover financial changes, expected changes, contributions, conduct that may be relevant, contingent liabilities and, where relevant, information about a new partner’s financial position.
Section 5: Order sought and statement of truth
This section asks what financial order is being sought and includes a statement of truth. Because this can have legal consequences, independent legal advice should be taken where needed.
Before completing Form E
Good preparation can reduce confusion and conflict.
Gather documents early
Mortgage statements, bank statements, pension information, payslips, business accounts, debts and property valuations may take time to collect.
Get advice where needed
A mediator cannot advise you how to complete Form E or what legal position to take. A solicitor or financial adviser may be needed, especially where pensions, property or businesses are involved.
Common documents to consider
- Recent bank and savings statements.
- Mortgage statements and property information.
- Payslips, tax returns or business accounts.
- Pension statements and CETV information.
- Credit card, loan and debt information.
- Insurance policies, investments and other assets.
Form E questions
Can Solent Family Mediation complete Form E for me?
No. The mediator cannot complete Form E for you or give legal advice about how to answer it. Mediation can help both people understand what financial areas need to be discussed and what information may still be missing.
Do both people need financial disclosure?
Usually, meaningful financial discussions require both people to understand the financial picture. Disclosure can include income, assets, debts, property, pensions and future needs.
Can mediation help before court?
Yes. Mediation may help you discuss finances, exchange information and consider possible proposals before a dispute becomes more formal or court-led.
Do I need legal advice?
You may need legal advice if you are completing Form E, making or responding to a financial application, agreeing a settlement, dealing with pensions, or asking for an order to be approved.
Where can I find the official Form E?
You should use the current official Form E from GOV.UK or take legal advice if you are unsure which form applies to your case.
Need help discussing finances after separation?
Contact Solent Family Mediation to discuss MIAMs, financial mediation, disclosure conversations and next steps.