diff --git a/app/models/form/sales/questions/mortgageused.rb b/app/models/form/sales/questions/mortgageused.rb
index acc425a77..4ece2544e 100644
--- a/app/models/form/sales/questions/mortgageused.rb
+++ b/app/models/form/sales/questions/mortgageused.rb
@@ -39,5 +39,6 @@ class Form::Sales::Questions::Mortgageused < ::Form::Question
   def top_guidance_partial
     return "financial_calculations_shared_ownership" if @ownershipsch == 1
     return "financial_calculations_discounted_ownership" if @ownershipsch == 2
+    return "financial_calculations_outright_sale" if @ownershipsch == 3
   end
 end
diff --git a/app/views/form/guidance/_financial_calculations_outright_sale.html.erb b/app/views/form/guidance/_financial_calculations_outright_sale.html.erb
index bd57bd63c..ae5ebd50f 100644
--- a/app/views/form/guidance/_financial_calculations_outright_sale.html.erb
+++ b/app/views/form/guidance/_financial_calculations_outright_sale.html.erb
@@ -1,8 +1,13 @@
 <%= govuk_details(summary_text: "How the financial values are calculated") do %>
   <p class="govuk-body">
-  The mortgage amount <%= question_link("mortgage", log, current_user) %>
-   and cash deposit <%= question_link("deposit", log, current_user) %>
-   added together must equal
-   the purchase price  <%= question_link("value", log, current_user) %>
-   </p>
+  <% if log.mortgage_used? || log.mortgageused.blank? %>
+    <% mortgage_question_link = log.mortgageused.blank? ? question_link("mortgageused", log, current_user) : question_link("mortgage", log, current_user) %>
+    The mortgage amount <%= mortgage_question_link %>
+    and cash deposit <%= question_link("deposit", log, current_user) %>
+    added together must equal
+  <% else %>
+    Cash deposit <%= question_link("deposit", log, current_user) %> must equal
+  <% end %>
+  the purchase price  <%= question_link("value", log, current_user) %>
+  </p>
 <% end %>
diff --git a/spec/views/form/guidance/_financial_calculations_outright_sale_spec.rb b/spec/views/form/guidance/_financial_calculations_outright_sale_spec.rb
new file mode 100644
index 000000000..343239e80
--- /dev/null
+++ b/spec/views/form/guidance/_financial_calculations_outright_sale_spec.rb
@@ -0,0 +1,45 @@
+require "rails_helper"
+
+RSpec.describe "form/guidance/_financial_calculations_outright_sale.html.erb" do
+  let(:log) { create(:sales_log) }
+
+  let(:fragment) { Capybara::Node::Simple.new(rendered) }
+
+  context "when mortgage used is not answered" do
+    let(:log) { create(:sales_log, :outright_sale_setup_complete, ownershipsch: 3, type: 10, mortgageused: nil, discount: 30) }
+
+    it "renders correct content" do
+      render partial: "form/guidance/financial_calculations_outright_sale", locals: { log:, current_user: log.assigned_to }
+      expect(fragment).to have_content("The mortgage amount")
+      expect(fragment).to have_content("and cash deposit")
+      expect(fragment).to have_content("added together must equal")
+      expect(fragment).to have_content("the purchase price")
+    end
+  end
+
+  context "when mortgage used is no" do
+    let(:log) { create(:sales_log, :outright_sale_setup_complete, ownershipsch: 3, type: 10, mortgageused: 2, discount: nil) }
+
+    it "renders correct content" do
+      render partial: "form/guidance/financial_calculations_outright_sale", locals: { log:, current_user: log.assigned_to }
+      expect(fragment).to have_content("Cash deposit")
+      expect(fragment).to have_content("must equal")
+      expect(fragment).to have_content("the purchase price")
+
+      expect(fragment).not_to have_content("The mortgage amount")
+      expect(fragment).not_to have_content("added together must equal")
+    end
+  end
+
+  context "when mortgage used is yes" do
+    let(:log) { create(:sales_log, :outright_sale_setup_complete, ownershipsch: 3, type: 10, mortgageused: 1, mortgage: nil, discount: 30) }
+
+    it "renders correct content" do
+      render partial: "form/guidance/financial_calculations_outright_sale", locals: { log:, current_user: log.assigned_to }
+      expect(fragment).to have_content("The mortgage amount")
+      expect(fragment).to have_content("and cash deposit")
+      expect(fragment).to have_content("added together must equal")
+      expect(fragment).to have_content("the purchase price")
+    end
+  end
+end