diff --git a/app/models/form/sales/questions/mortgageused.rb b/app/models/form/sales/questions/mortgageused.rb
index e45368051..67fd900d3 100644
--- a/app/models/form/sales/questions/mortgageused.rb
+++ b/app/models/form/sales/questions/mortgageused.rb
@@ -10,9 +10,7 @@ class Form::Sales::Questions::Mortgageused < ::Form::Question
   end
 
   def displayed_answer_options(log, _user = nil)
-    if log.outright_sale? && log.saledate && !form.start_year_2024_or_later?
-      answer_options_without_dont_know
-    elsif log.stairowned_100? || log.outright_sale? || (log.is_staircase? && form.start_year_2025_or_later?)
+    if form.start_year_2026_or_later? || log.stairowned_100? || log.outright_sale? || (log.is_staircase? && form.start_year_2025_or_later?)
       ANSWER_OPTIONS
     else
       answer_options_without_dont_know
diff --git a/app/models/validations/sales/sale_information_validations.rb b/app/models/validations/sales/sale_information_validations.rb
index df6b90a4a..9d65bc799 100644
--- a/app/models/validations/sales/sale_information_validations.rb
+++ b/app/models/validations/sales/sale_information_validations.rb
@@ -372,14 +372,11 @@ module Validations::Sales::SaleInformationValidations
 
   def validate_mortgage_used_dont_know(record)
     return unless record.mortgage_use_unknown?
+    return if record.form.start_year_2026_or_later?
 
     if record.discounted_ownership_sale?
       record.errors.add :mortgageused, I18n.t("validations.invalid_option", question: "was a mortgage used for the purchase of this property?")
     end
-    if record.outright_sale? && record.saledate && !record.form.start_year_2024_or_later?
-      record.errors.add :mortgageused, I18n.t("validations.invalid_option", question: "was a mortgage used for the purchase of this property?")
-      record.errors.add :saledate, I18n.t("validations.sales.sale_information.saledate.mortgage_used_year")
-    end
     if record.shared_ownership_scheme? && record.is_not_staircasing?
       record.errors.add :mortgageused, I18n.t("validations.invalid_option", question: "was a mortgage used for the purchase of this property?")
       record.errors.add :staircase, I18n.t("validations.sales.sale_information.staircase.mortgage_used_value")
diff --git a/spec/models/form/sales/questions/mortgageused_spec.rb b/spec/models/form/sales/questions/mortgageused_spec.rb
index 88f4babef..804067348 100644
--- a/spec/models/form/sales/questions/mortgageused_spec.rb
+++ b/spec/models/form/sales/questions/mortgageused_spec.rb
@@ -1,6 +1,8 @@
 require "rails_helper"
 
 RSpec.describe Form::Sales::Questions::Mortgageused, type: :model do
+  include CollectionTimeHelper
+
   subject(:question) { described_class.new(question_id, question_definition, page, ownershipsch:) }
 
   let(:question_id) { nil }
@@ -9,25 +11,41 @@ RSpec.describe Form::Sales::Questions::Mortgageused, type: :model do
   let(:staircase) { nil }
   let(:saledate) { Time.zone.today }
   let(:log) { build(:sales_log, :in_progress, ownershipsch:, stairowned:, staircase:) }
-
-  context "when the form start year is 2024" do
-    let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1), start_year_2026_or_later?: false) }
-    let(:page) { instance_double(Form::Page, subsection: instance_double(Form::Subsection, form:, id: "shared_ownership")) }
-    let(:saledate) { Time.zone.local(2024, 5, 1) }
+  let(:start_year_2024_or_later?) { true }
+  let(:start_year_2025_or_later?) { true }
+  let(:start_year_2026_or_later?) { true }
+  let(:subsection_id) { "shared_ownership_initial_purchase" }
+  let(:form) { instance_double(Form, start_date: saledate, start_year_2024_or_later?: start_year_2024_or_later?, start_year_2025_or_later?: start_year_2025_or_later?, start_year_2026_or_later?: start_year_2026_or_later?) }
+  let(:page) { instance_double(Form::Page, subsection: instance_double(Form::Subsection, form:, id: subsection_id)) }
+
+  context "when it is a shared ownership scheme" do
     let(:ownershipsch) { 1 }
 
-    before do
-      allow(form).to receive_messages(start_year_2024_or_later?: true, start_year_2025_or_later?: false)
+    it "has the correct top_guidance_partial" do
+      expect(question.top_guidance_partial).to eq("financial_calculations_shared_ownership")
+    end
+  end
+
+  context "when it is a discounted ownership sale" do
+    let(:ownershipsch) { 2 }
+
+    it "has the correct top_guidance_partial" do
+      expect(question.top_guidance_partial).to eq("financial_calculations_discounted_ownership")
     end
+  end
+
+  context "when it is an outright sale" do
+    let(:ownershipsch) { 3 }
 
-    it "has the correct answer_options" do
-      expect(question.answer_options).to eq({
-        "1" => { "value" => "Yes" },
-        "2" => { "value" => "No" },
-        "divider" => { "value" => true },
-        "3" => { "value" => "Don’t know" },
-      })
+    it "has the correct top_guidance_partial" do
+      expect(question.top_guidance_partial).to eq("financial_calculations_outright_sale")
     end
+  end
+
+  context "when the form start year is 2024", metadata: { year: 24 } do
+    let(:saledate) { collection_start_date_for_year(2024) }
+    let(:start_year_2025_or_later?) { false }
+    let(:start_year_2026_or_later?) { false }
 
     context "when it is a discounted ownership sale" do
       let(:ownershipsch) { 2 }
@@ -44,24 +62,22 @@ RSpec.describe Form::Sales::Questions::Mortgageused, type: :model do
     context "when it is an outright sale" do
       let(:ownershipsch) { 3 }
 
-      context "and the saledate is before 24/25" do
-        let(:saledate) { Time.zone.local(2023, 5, 1) }\
-
-        it "does show the don't know option" do
-          expect_the_question_to_show_dont_know
-        end
+      it "shows the correct question number" do
+        expect(question.question_number).to eq 112
       end
 
-      context "and the saledate is 24/25" do
-        it "shows the don't know option" do
-          expect_the_question_to_show_dont_know
-        end
+      it "shows the don't know option" do
+        expect_the_question_to_show_dont_know
       end
     end
 
     context "when it is a shared ownership scheme" do
       let(:ownershipsch) { 1 }
 
+      it "shows the correct question number" do
+        expect(question.question_number).to eq 91
+      end
+
       context "and it is a staircasing transaction" do
         let(:staircase) { 1 }
 
@@ -92,15 +108,9 @@ RSpec.describe Form::Sales::Questions::Mortgageused, type: :model do
     end
   end
 
-  context "when the form start year is 2025" do
-    let(:form) { instance_double(Form, start_date: Time.zone.local(2025, 4, 1), start_year_2026_or_later?: false) }
-    let(:page) { instance_double(Form::Page, subsection: instance_double(Form::Subsection, form:, id: subsection_id)) }
-    let(:saledate) { Time.zone.local(2025, 5, 1) }
-    let(:subsection_id) { "shared_ownership_initial_purchase" }
-
-    before do
-      allow(form).to receive_messages(start_year_2024_or_later?: true, start_year_2025_or_later?: true)
-    end
+  context "when the form start year is 2025", metadata: { year: 25 } do
+    let(:saledate) { collection_start_date_for_year(2025) }
+    let(:start_year_2026_or_later?) { false }
 
     context "when it is a discounted ownership sale" do
       let(:ownershipsch) { 2 }
@@ -118,10 +128,14 @@ RSpec.describe Form::Sales::Questions::Mortgageused, type: :model do
     context "when it is a shared ownership scheme" do
       let(:ownershipsch) { 1 }
 
+      it "shows the correct question number" do
+        expect(question.question_number).to eq 82
+      end
+
       context "and it is a staircasing transaction" do
         let(:staircase) { 1 }
 
-        it "does show the don't know option" do
+        it "shows the don't know option" do
           expect_the_question_to_show_dont_know
         end
 
@@ -144,6 +158,53 @@ RSpec.describe Form::Sales::Questions::Mortgageused, type: :model do
     end
   end
 
+  context "when the form start year is 2026", metadata: { year: 26 } do
+    let(:saledate) { collection_start_date_for_year(2026) }
+
+    context "when it is a discounted ownership sale" do
+      let(:ownershipsch) { 2 }
+      let(:subsection_id) { "discounted_ownership_scheme" }
+
+      it "shows the correct question number" do
+        expect(question.question_number).to eq 116
+      end
+
+      it "shows the don't know option" do
+        expect_the_question_to_show_dont_know
+      end
+    end
+
+    context "when it is a shared ownership scheme" do
+      let(:ownershipsch) { 1 }
+
+      context "and it is a staircasing transaction" do
+        let(:staircase) { 1 }
+        let(:subsection_id) { "shared_ownership_staircasing_transaction" }
+
+        it "shows the correct question number" do
+          expect(question.question_number).to eq 107
+        end
+
+        it "shows the don't know option" do
+          expect_the_question_to_show_dont_know
+        end
+      end
+
+      context "and it is not a staircasing transaction" do
+        let(:staircase) { 2 }
+        let(:subsection_id) { "shared_ownership_initial_purchase" }
+
+        it "shows the correct question number" do
+          expect(question.question_number).to eq 90
+        end
+
+        it "shows the don't know option" do
+          expect_the_question_to_show_dont_know
+        end
+      end
+    end
+  end
+
 private
 
   def expect_the_question_not_to_show_dont_know
diff --git a/spec/models/validations/sales/sale_information_validations_spec.rb b/spec/models/validations/sales/sale_information_validations_spec.rb
index 1c36ee5e1..7a4537322 100644
--- a/spec/models/validations/sales/sale_information_validations_spec.rb
+++ b/spec/models/validations/sales/sale_information_validations_spec.rb
@@ -1501,76 +1501,156 @@ RSpec.describe Validations::Sales::SaleInformationValidations do
       sale_information_validator.validate_mortgage_used_dont_know(sales_log)
     end
 
-    context "when mortgageused is don't know" do
-      let(:mortgageused) { 3 }
+    context "when 2025", metadata: { year: 25 } do
+      let(:saledate) { collection_start_date_for_year(2025) }
 
-      context "and it is a discounted ownership sale" do
-        let(:ownershipsch) { 2 }
+      context "when mortgageused is don't know" do
+        let(:mortgageused) { 3 }
 
-        it "adds an error" do
-          expect(sales_log.errors[:mortgageused]).to include "Enter a valid value for was a mortgage used for the purchase of this property?"
+        context "and it is a discounted ownership sale" do
+          let(:ownershipsch) { 2 }
+
+          it "adds an error" do
+            expect(sales_log.errors[:mortgageused]).to include "Enter a valid value for was a mortgage used for the purchase of this property?"
+          end
         end
-      end
 
-      context "and it is an outright sale" do
-        let(:ownershipsch) { 3 }
+        context "and it is an outright sale" do
+          let(:ownershipsch) { 3 }
 
-        it "does not add any errors" do
-          expect(sales_log.errors).to be_empty
+          it "does not add any errors" do
+            expect(sales_log.errors).to be_empty
+          end
         end
-      end
 
-      context "and it is a shared ownership scheme sale" do
-        let(:ownershipsch) { 1 }
+        context "and it is a shared ownership scheme sale" do
+          let(:ownershipsch) { 1 }
 
-        context "and a staircasing transaction" do
-          let(:staircase) { 1 }
+          context "and a staircasing transaction" do
+            let(:staircase) { 1 }
 
-          context "and stairowned is nil" do
-            let(:stairowned) { nil }
+            context "and stairowned is nil" do
+              let(:stairowned) { nil }
 
-            it "does not add an error" do
-              expect(sales_log.errors).to be_empty
+              it "does not add an error" do
+                expect(sales_log.errors).to be_empty
+              end
             end
-          end
 
-          context "and stairowned is less than 100" do
-            let(:stairowned) { 50 }
+            context "and stairowned is less than 100" do
+              let(:stairowned) { 50 }
 
-            it "adds errors" do
-              expect(sales_log.errors[:mortgageused]).to include "The percentage owned has to be 100% if the mortgage used is 'Don’t know'"
-              expect(sales_log.errors[:stairowned]).to include "The percentage owned has to be 100% if the mortgage used is 'Don’t know'"
+              it "adds errors" do
+                expect(sales_log.errors[:mortgageused]).to include "The percentage owned has to be 100% if the mortgage used is 'Don’t know'"
+                expect(sales_log.errors[:stairowned]).to include "The percentage owned has to be 100% if the mortgage used is 'Don’t know'"
+              end
+            end
+
+            context "and stairowned is 100" do
+              let(:stairowned) { 100 }
+
+              it "does not add an error" do
+                expect(sales_log.errors).to be_empty
+              end
             end
           end
 
-          context "and stairowned is 100" do
-            let(:stairowned) { 100 }
+          context "and not a staircasing transaction" do
+            let(:staircase) { 2 }
 
-            it "does not add an error" do
-              expect(sales_log.errors).to be_empty
+            it "adds errors" do
+              expect(sales_log.errors[:mortgageused]).to include "Enter a valid value for was a mortgage used for the purchase of this property?"
+              expect(sales_log.errors[:staircase]).to include "You must answer either ‘yes’ or ‘no’ to the question ‘was a mortgage used’ for staircasing transactions."
             end
           end
         end
+      end
 
-        context "and not a staircasing transaction" do
-          let(:staircase) { 2 }
+      context "when mortgageused is not don't know" do
+        let(:mortgageused) { 1 }
 
-          it "adds errors" do
-            expect(sales_log.errors[:mortgageused]).to include "Enter a valid value for was a mortgage used for the purchase of this property?"
-            expect(sales_log.errors[:staircase]).to include "You must answer either ‘yes’ or ‘no’ to the question ‘was a mortgage used’ for staircasing transactions."
+        context "and it is a discounted ownership sale" do
+          let(:ownershipsch) { 2 }
+
+          it "does not add an error" do
+            expect(sales_log.errors).to be_empty
           end
         end
       end
     end
 
-    context "when mortgageused is not don't know" do
-      let(:mortgageused) { 1 }
+    context "when 2026", metadata: { year: 26 } do
+      let(:saledate) { collection_start_date_for_year(2026) }
 
-      context "and it is a discounted ownership sale" do
-        let(:ownershipsch) { 2 }
+      context "when mortgageused is don't know" do
+        let(:mortgageused) { 3 }
 
-        it "does not add an error" do
-          expect(sales_log.errors).to be_empty
+        context "and it is a discounted ownership sale" do
+          let(:ownershipsch) { 2 }
+
+          it "does not add any errors" do
+            expect(sales_log.errors).to be_empty
+          end
+        end
+
+        context "and it is an outright sale" do
+          let(:ownershipsch) { 3 }
+
+          it "does not add any errors" do
+            expect(sales_log.errors).to be_empty
+          end
+        end
+
+        context "and it is a shared ownership scheme sale" do
+          let(:ownershipsch) { 1 }
+
+          context "and a staircasing transaction" do
+            let(:staircase) { 1 }
+
+            context "and stairowned is nil" do
+              let(:stairowned) { nil }
+
+              it "does not add an error" do
+                expect(sales_log.errors).to be_empty
+              end
+            end
+
+            context "and stairowned is less than 100" do
+              let(:stairowned) { 50 }
+
+              it "does not add any errors" do
+                expect(sales_log.errors).to be_empty
+              end
+            end
+
+            context "and stairowned is 100" do
+              let(:stairowned) { 100 }
+
+              it "does not add an error" do
+                expect(sales_log.errors).to be_empty
+              end
+            end
+          end
+
+          context "and not a staircasing transaction" do
+            let(:staircase) { 2 }
+
+            it "does not add any errors" do
+              expect(sales_log.errors).to be_empty
+            end
+          end
+        end
+      end
+
+      context "when mortgageused is not don't know" do
+        let(:mortgageused) { 1 }
+
+        context "and it is a discounted ownership sale" do
+          let(:ownershipsch) { 2 }
+
+          it "does not add an error" do
+            expect(sales_log.errors).to be_empty
+          end
         end
       end
     end
diff --git a/spec/services/bulk_upload/sales/year2023/row_parser_spec.rb b/spec/services/bulk_upload/sales/year2023/row_parser_spec.rb
index 55146e22e..874bc05f0 100644
--- a/spec/services/bulk_upload/sales/year2023/row_parser_spec.rb
+++ b/spec/services/bulk_upload/sales/year2023/row_parser_spec.rb
@@ -1136,17 +1136,6 @@ RSpec.describe BulkUpload::Sales::Year2023::RowParser do
         end
       end
     end
-
-    describe "#field_128" do
-      let(:attributes) { valid_attributes.merge({ field_7: "3", field_10: "10", field_128: "3", field_12: "2" }) }
-
-      it "does not allow 3 (don't know) as an option for outright sale" do
-        expect(parser.errors[:field_128]).to include("Enter a valid value for was a mortgage used for the purchase of this property?")
-        parser.log.blank_invalid_non_setup_fields!
-        parser.log.save!
-        expect(parser.log.mortgageused).to be_nil
-      end
-    end
   end
 
   describe "#log" do
diff --git a/spec/services/bulk_upload/sales/year2026/row_parser_spec.rb b/spec/services/bulk_upload/sales/year2026/row_parser_spec.rb
index 62cf24df9..f53459664 100644
--- a/spec/services/bulk_upload/sales/year2026/row_parser_spec.rb
+++ b/spec/services/bulk_upload/sales/year2026/row_parser_spec.rb
@@ -1321,13 +1321,9 @@ RSpec.describe BulkUpload::Sales::Year2026::RowParser do
       context "when value is 3 and stairowned is not 100" do
         let(:attributes) { setup_section_params.merge(field_109: "3", field_10: "1", field_96: "50", field_97: "99", field_120: nil) }
 
-        it "returns correct errors" do
+        it "does not add errors" do
           parser.valid?
-          expect(parser.errors[:field_109]).to include("The percentage owned has to be 100% if the mortgage used is 'Don’t know'")
-
-          parser.log.blank_invalid_non_setup_fields!
-          parser.log.save!
-          expect(parser.log.mortgageused).to be_nil
+          expect(parser.errors[:field_109]).to be_empty
         end
       end
 
@@ -1371,13 +1367,9 @@ RSpec.describe BulkUpload::Sales::Year2026::RowParser do
       context "when value is 3 and stairowned is not answered" do
         let(:attributes) { setup_section_params.merge(field_88: "3", field_10: "2", field_96: "50", field_97: nil, field_120: nil) }
 
-        it "returns correct errors" do
+        it "does not add errors" do
           parser.valid?
-          expect(parser.errors[:field_88]).to include(I18n.t("validations.invalid_option", question: "was a mortgage used for the purchase of this property?"))
-
-          parser.log.blank_invalid_non_setup_fields!
-          parser.log.save!
-          expect(parser.log.mortgageused).to be_nil
+          expect(parser.errors[:field_88]).to be_empty
         end
       end
 
@@ -1413,13 +1405,9 @@ RSpec.describe BulkUpload::Sales::Year2026::RowParser do
     describe "#field_116" do
       let(:attributes) { valid_attributes.merge({ field_8: "2", field_11: "9", field_116: "3" }) }
 
-      it "does not allow 3 (don't know) as an option for discounted ownership" do
+      it "allows 3 (don't know) as an option for discounted ownership" do
         parser.valid?
-        expect(parser.errors[:field_116]).to include(I18n.t("validations.invalid_option", question: "was a mortgage used for the purchase of this property?"))
-
-        parser.log.blank_invalid_non_setup_fields!
-        parser.log.save!
-        expect(parser.log.mortgageused).to be_nil
+        expect(parser.errors[:field_116]).to be_empty
       end
 
       context "when validate_discounted_ownership_value is triggered" do