diff --git a/app/models/validations/sales/soft_validations.rb b/app/models/validations/sales/soft_validations.rb
index 719075c06..ebe25c7d1 100644
--- a/app/models/validations/sales/soft_validations.rb
+++ b/app/models/validations/sales/soft_validations.rb
@@ -38,6 +38,8 @@ module Validations::Sales::SoftValidations
   end
 
   def extra_borrowing_expected?
-    true
+    return unless extrabor && mortgage && deposit && value && cashdis
+
+    mortgage + deposit > value - value * discount / 100
   end
 end
diff --git a/spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb b/spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb
index 632ba85bc..27381a863 100644
--- a/spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb
+++ b/spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb
@@ -24,6 +24,7 @@ RSpec.describe Form::Sales::Subsections::DiscountedOwnershipScheme, type: :model
         mortgage_lender_other_discounted_ownership
         mortgage_length_discounted_ownership
         extra_borrowing_discounted_ownership
+        extra_borrowing_value_check_discounted_ownership
         about_deposit_discounted_ownership
         discounted_ownership_deposit_value_check
         leasehold_charges_discounted_ownership
diff --git a/spec/models/form/sales/subsections/outright_sale_spec.rb b/spec/models/form/sales/subsections/outright_sale_spec.rb
index 45a9f4ca0..3c11152e4 100644
--- a/spec/models/form/sales/subsections/outright_sale_spec.rb
+++ b/spec/models/form/sales/subsections/outright_sale_spec.rb
@@ -21,6 +21,7 @@ RSpec.describe Form::Sales::Subsections::OutrightSale, type: :model do
         mortgage_lender_other_outright_sale
         mortgage_length_outright_sale
         extra_borrowing_outright_sale
+        extra_borrowing_value_check_outright_sale
         about_deposit_outright_sale
         outright_sale_deposit_value_check
         leasehold_charges_outright_sale
diff --git a/spec/models/form/sales/subsections/shared_ownership_scheme_spec.rb b/spec/models/form/sales/subsections/shared_ownership_scheme_spec.rb
index b453ed0d9..7db91fa37 100644
--- a/spec/models/form/sales/subsections/shared_ownership_scheme_spec.rb
+++ b/spec/models/form/sales/subsections/shared_ownership_scheme_spec.rb
@@ -32,6 +32,7 @@ RSpec.describe Form::Sales::Subsections::SharedOwnershipScheme, type: :model do
         mortgage_lender_other_shared_ownership
         mortgage_length_shared_ownership
         extra_borrowing_shared_ownership
+        extra_borrowing_value_check_shared_ownership
         about_deposit_with_discount
         about_deposit_shared_ownership
         shared_ownership_deposit_value_check
diff --git a/spec/models/form_handler_spec.rb b/spec/models/form_handler_spec.rb
index 40c23a9e3..513480de9 100644
--- a/spec/models/form_handler_spec.rb
+++ b/spec/models/form_handler_spec.rb
@@ -52,14 +52,14 @@ RSpec.describe FormHandler do
     it "is able to load a current sales form" do
       form = form_handler.get_form("current_sales")
       expect(form).to be_a(Form)
-      expect(form.pages.count).to eq(148)
+      expect(form.pages.count).to eq(151)
       expect(form.name).to eq("2022_2023_sales")
     end
 
     it "is able to load a previous sales form" do
       form = form_handler.get_form("previous_sales")
       expect(form).to be_a(Form)
-      expect(form.pages.count).to eq(148)
+      expect(form.pages.count).to eq(151)
       expect(form.name).to eq("2021_2022_sales")
     end
   end