diff --git a/config/locales/en.yml b/config/locales/en.yml
index 2d17cf207..46aea491e 100644
--- a/config/locales/en.yml
+++ b/config/locales/en.yml
@@ -316,6 +316,7 @@ en:
       equity:
         under_min: "The minimum initial equity stake for this type of shared ownership sale is %{min_equity}%"
         over_max: "The maximum initial equity stake is %{max_equity}%"
+      mortgage: "Mortgage value cannot be £0 if a mortgage was used for the purchase of this property"
 
     household:
       reasonpref:
diff --git a/spec/models/validations/sales/financial_validations_spec.rb b/spec/models/validations/sales/financial_validations_spec.rb
index b60ef5e6a..fe02f1350 100644
--- a/spec/models/validations/sales/financial_validations_spec.rb
+++ b/spec/models/validations/sales/financial_validations_spec.rb
@@ -113,6 +113,22 @@ RSpec.describe Validations::Sales::FinancialValidations do
     end
   end
 
+  describe "#validate_mortgage" do
+    let(:record) { FactoryBot.create(:sales_log) }
+
+    it "adds an error is the mortgage is zero" do
+      record.mortgage = 0
+      financial_validator.validate_mortgage(record)
+      expect(record.errors[:mortgage]).to include I18n.t("validations.financial.mortgage")
+    end
+
+    it "does not add an error is the mortgage is positive" do
+      record.mortgage = 234
+      financial_validator.validate_mortgage(record)
+      expect(record.errors).to be_empty
+    end
+  end
+
   describe "#validate_cash_discount" do
     let(:record) { FactoryBot.create(:sales_log) }