“Before your big day, you and your partner will need to sit down with a lawyer and draw up an antenuptial contract, or ANC.
“There are three types of antenuptial contracts you can enter into, but essentially all will give you the independence to make your own financial transactions without your partner’s approval or signature.
“Although many couples feel drawing up an antenuptial contract is preparing for divorce, it’s not. That contract will also protect you and your assets if your partner dies.
“Having an antenuptial contract in place ensures that you and your partner are seen as separate legal entities, which means you are protected from your partner’s creditors.
“If Matlou had had this contract, she would have been able to buy a property even though her husband is under debt review.”
Subbramoney says it’s important that both partners consult the lawyer who’s drawing up the contract – because both parties need to be fully aware of the consequences.
“It’s also important to see someone who’s neutral, and who can mediate what goes into your contract because emotions can cloud your judgment, and it can be a stressful negotiation if one party has a lot of assets and the other doesn’t.
“If you didn’t draw up a contract, and realise you should have, you can convert from community of property to an antenuptial contract after marriage. It’s more expensive, and you have to advertise so your creditors can object, but it’s possible, and a good lawyer can guide you through the process.”