diff --git a/app/controllers/bulk_upload_lettings_logs_controller.rb b/app/controllers/bulk_upload_lettings_logs_controller.rb
index ec5975432..40f898012 100644
--- a/app/controllers/bulk_upload_lettings_logs_controller.rb
+++ b/app/controllers/bulk_upload_lettings_logs_controller.rb
@@ -21,11 +21,6 @@ class BulkUploadLettingsLogsController < ApplicationController
     end
   end
 
-  def guidance
-    @form = Forms::BulkUploadLettings::PrepareYourFile.new
-    render "bulk_upload_shared/guidance"
-  end
-
 private
 
   def current_year
@@ -44,6 +39,8 @@ private
                 Forms::BulkUploadLettings::Year.new(form_params)
               when "prepare-your-file"
                 Forms::BulkUploadLettings::PrepareYourFile.new(form_params)
+              when "guidance"
+                Forms::BulkUploadLettings::Guidance.new(form_params)
               when "needstype"
                 Forms::BulkUploadLettings::Needstype.new(form_params)
               when "upload-your-file"
diff --git a/app/controllers/bulk_upload_sales_logs_controller.rb b/app/controllers/bulk_upload_sales_logs_controller.rb
index 2b3432399..85be7e96d 100644
--- a/app/controllers/bulk_upload_sales_logs_controller.rb
+++ b/app/controllers/bulk_upload_sales_logs_controller.rb
@@ -21,11 +21,6 @@ class BulkUploadSalesLogsController < ApplicationController
     end
   end
 
-  def guidance
-    @form = Forms::BulkUploadSales::PrepareYourFile.new
-    render "bulk_upload_shared/guidance"
-  end
-
 private
 
   def current_year
@@ -42,6 +37,8 @@ private
                 Forms::BulkUploadSales::Year.new(form_params)
               when "prepare-your-file"
                 Forms::BulkUploadSales::PrepareYourFile.new(form_params)
+              when "guidance"
+                Forms::BulkUploadSales::Guidance.new(form_params)
               when "upload-your-file"
                 Forms::BulkUploadSales::UploadYourFile.new(form_params.merge(current_user:))
               when "checking-file"
diff --git a/app/models/forms/bulk_upload_lettings/guidance.rb b/app/models/forms/bulk_upload_lettings/guidance.rb
new file mode 100644
index 000000000..2610ed62d
--- /dev/null
+++ b/app/models/forms/bulk_upload_lettings/guidance.rb
@@ -0,0 +1,27 @@
+module Forms
+  module BulkUploadLettings
+    class Guidance
+      include ActiveModel::Model
+      include ActiveModel::Attributes
+      include Rails.application.routes.url_helpers
+
+      attribute :year, :integer
+
+      def view_path
+        "bulk_upload_shared/guidance"
+      end
+
+      def back_path
+        bulk_upload_lettings_log_path(id: "prepare-your-file", form: { year: })
+      end
+
+      def template_path
+        Forms::BulkUploadLettings::PrepareYourFile.new(year:).template_path
+      end
+
+      def specification_path
+        Forms::BulkUploadLettings::PrepareYourFile.new(year:).specification_path
+      end
+    end
+  end
+end
diff --git a/app/models/forms/bulk_upload_lettings/prepare_your_file.rb b/app/models/forms/bulk_upload_lettings/prepare_your_file.rb
index 68b9dd5c6..6db68e49d 100644
--- a/app/models/forms/bulk_upload_lettings/prepare_your_file.rb
+++ b/app/models/forms/bulk_upload_lettings/prepare_your_file.rb
@@ -26,11 +26,21 @@ module Forms
       end
 
       def template_path
-        "/files/bulk-upload-lettings-template-v1.xlsx"
+        case year
+        when 2022
+          "/files/bulk-upload-lettings-template-2022-23.xlsx"
+        when 2023
+          "/files/bulk-upload-lettings-template-2023-24.xlsx"
+        end
       end
 
       def specification_path
-        "/files/bulk-upload-lettings-specification-2022-23.xlsx"
+        case year
+        when 2022
+          "/files/bulk-upload-lettings-specification-2022-23.xlsx"
+        when 2023
+          "/files/bulk-upload-lettings-specification-2023-24.xlsx"
+        end
       end
 
       def year_combo
diff --git a/app/models/forms/bulk_upload_sales/guidance.rb b/app/models/forms/bulk_upload_sales/guidance.rb
new file mode 100644
index 000000000..869ce8be2
--- /dev/null
+++ b/app/models/forms/bulk_upload_sales/guidance.rb
@@ -0,0 +1,27 @@
+module Forms
+  module BulkUploadSales
+    class Guidance
+      include ActiveModel::Model
+      include ActiveModel::Attributes
+      include Rails.application.routes.url_helpers
+
+      attribute :year, :integer
+
+      def view_path
+        "bulk_upload_shared/guidance"
+      end
+
+      def back_path
+        bulk_upload_sales_log_path(id: "prepare-your-file", form: { year: })
+      end
+
+      def template_path
+        Forms::BulkUploadSales::PrepareYourFile.new(year:).template_path
+      end
+
+      def specification_path
+        Forms::BulkUploadSales::PrepareYourFile.new(year:).specification_path
+      end
+    end
+  end
+end
diff --git a/app/models/forms/bulk_upload_sales/prepare_your_file.rb b/app/models/forms/bulk_upload_sales/prepare_your_file.rb
index 52d70a85c..cdf2cf455 100644
--- a/app/models/forms/bulk_upload_sales/prepare_your_file.rb
+++ b/app/models/forms/bulk_upload_sales/prepare_your_file.rb
@@ -24,11 +24,21 @@ module Forms
       end
 
       def template_path
-        "/files/bulk-upload-sales-template-v1.xlsx"
+        case year
+        when 2022
+          "/files/bulk-upload-sales-template-2022-23.xlsx"
+        when 2023
+          "/files/bulk-upload-sales-template-2023-24.xlsx"
+        end
       end
 
       def specification_path
-        "/files/bulk-upload-sales-specification-2022-23.xlsx"
+        case year
+        when 2022
+          "/files/bulk-upload-sales-specification-2022-23.xlsx"
+        when 2023
+          "/files/bulk-upload-sales-specification-2023-24.xlsx"
+        end
       end
 
       def year_combo
diff --git a/app/models/validations/financial_validations.rb b/app/models/validations/financial_validations.rb
index fc1c44585..c68343ae1 100644
--- a/app/models/validations/financial_validations.rb
+++ b/app/models/validations/financial_validations.rb
@@ -4,7 +4,7 @@ module Validations::FinancialValidations
   # or 'validate_' to run on submit as well
   def validate_outstanding_rent_amount(record)
     if !record.has_hbrentshortfall? && record.tshortfall.present?
-      record.errors.add :tshortfall, I18n.t("validations.financial.tshortfall.outstanding_amount_not_required")
+      record.errors.add :tshortfall, :no_outstanding_charges, message: I18n.t("validations.financial.tshortfall.outstanding_amount_not_required")
     end
   end
 
diff --git a/app/models/validations/sales/financial_validations.rb b/app/models/validations/sales/financial_validations.rb
index 8f81aa117..2cd06b9ba 100644
--- a/app/models/validations/sales/financial_validations.rb
+++ b/app/models/validations/sales/financial_validations.rb
@@ -37,7 +37,7 @@ module Validations::Sales::FinancialValidations
   end
 
   def validate_mortgage(record)
-    record.errors.add :mortgage, I18n.t("validations.financial.mortgage") if record.mortgage_used? && record.mortgage&.zero?
+    record.errors.add :mortgage, :cannot_be_0, message: I18n.t("validations.financial.mortgage") if record.mortgage_used? && record.mortgage&.zero?
   end
 
   def validate_cash_discount(record)
diff --git a/app/models/validations/tenancy_validations.rb b/app/models/validations/tenancy_validations.rb
index 5e1ec4a3c..14727d3b0 100644
--- a/app/models/validations/tenancy_validations.rb
+++ b/app/models/validations/tenancy_validations.rb
@@ -42,7 +42,7 @@ module Validations::TenancyValidations
   def validate_joint_tenancy(record)
     return unless record.collection_start_year && record.joint
 
-    if record.hhmemb == 1 && record.joint != 2 && record.collection_start_year >= 2022
+    if record.hhmemb == 1 && record.joint == 1 && record.collection_start_year >= 2022
       record.errors.add :joint, :not_joint_tenancy, message: I18n.t("validations.tenancy.not_joint")
       record.errors.add :hhmemb, I18n.t("validations.tenancy.joint_more_than_one_member")
     end
diff --git a/app/services/imports/lettings_logs_import_service.rb b/app/services/imports/lettings_logs_import_service.rb
index ecd32c51d..9bbb15723 100644
--- a/app/services/imports/lettings_logs_import_service.rb
+++ b/app/services/imports/lettings_logs_import_service.rb
@@ -332,6 +332,12 @@ module Imports
         @logs_overridden << lettings_log.old_id
         attributes.delete("ecstat1")
         save_lettings_log(attributes, previous_status)
+      elsif lettings_log.errors.of_kind?(:tshortfall, :no_outstanding_charges)
+        @logger.warn("Log #{lettings_log.old_id}: Removing tshortfall as there are no outstanding charges")
+        @logs_overridden << lettings_log.old_id
+        attributes.delete("tshortfall")
+        attributes.delete("hbrentshortfall")
+        save_lettings_log(attributes, previous_status)
       else
         @logger.error("Log #{lettings_log.old_id}: Failed to import")
         lettings_log.errors.each do |error|
diff --git a/app/services/imports/sales_logs_import_service.rb b/app/services/imports/sales_logs_import_service.rb
index e6f735b3e..4d26639da 100644
--- a/app/services/imports/sales_logs_import_service.rb
+++ b/app/services/imports/sales_logs_import_service.rb
@@ -225,6 +225,11 @@ module Imports
         attributes.delete("postcode_full")
         attributes["pcodenk"] = attributes["la"].present? ? 1 : nil
         save_sales_log(attributes, previous_status)
+      elsif sales_log.errors.of_kind?(:mortgage, :cannot_be_0)
+        @logger.warn("Log #{sales_log.old_id}: Removing mortgage because it cannot be 0")
+        @logs_overridden << sales_log.old_id
+        attributes.delete("mortgage")
+        save_sales_log(attributes, previous_status)
       else
         @logger.error("Log #{sales_log.old_id}: Failed to import")
         sales_log.errors.each do |error|
diff --git a/app/views/bulk_upload_lettings_logs/forms/prepare_your_file.html.erb b/app/views/bulk_upload_lettings_logs/forms/prepare_your_file.html.erb
index eb5c95adc..65f0a7eaf 100644
--- a/app/views/bulk_upload_lettings_logs/forms/prepare_your_file.html.erb
+++ b/app/views/bulk_upload_lettings_logs/forms/prepare_your_file.html.erb
@@ -13,14 +13,14 @@
       <h2 class="govuk-heading-m">Create your file</h2>
       <ul class="govuk-list govuk-list--bullet">
         <li>Download the <%= govuk_link_to "bulk lettings template", @form.template_path %></li>
-        <li>Export the data from your housing management system, matching the template. <%= govuk_link_to "Find out more about exporting your data", guidance_bulk_upload_lettings_logs_path %></li>
+        <li>Export the data from your housing management system, matching the template. <%= govuk_link_to "Find out more about exporting your data", bulk_upload_lettings_log_path(id: "guidance", form: { year: @form.year }) %></li>
         <li>If you cannot export it in this format, you may have to input it manually</li>
         <li>You cannot have a file with both general needs logs and supported housing logs. These must be in separate files</li>
       </ul>
 
       <h2 class="govuk-heading-m">Check your data</h2>
       <ul class="govuk-list govuk-list--bullet">
-        <li>Check data is complete and formatted correctly, using data specifications (opens in a new tab)</li>
+        <li>Check data is complete and formatted correctly, using <%= govuk_link_to "data specifications", @form.specification_path, target: "_blank" %></li>
       </ul>
 
       <h2 class="govuk-heading-m">Save your file</h2>
diff --git a/app/views/bulk_upload_lettings_results/show.html.erb b/app/views/bulk_upload_lettings_results/show.html.erb
index 30e0f6890..67b01ff9d 100644
--- a/app/views/bulk_upload_lettings_results/show.html.erb
+++ b/app/views/bulk_upload_lettings_results/show.html.erb
@@ -4,7 +4,7 @@
     <h1 class="govuk-heading-l">We found <%= pluralize(@bulk_upload.bulk_upload_errors.count, "error") %> in your file</h1>
 
     <div class="govuk-body">
-      Here’s a list of everything that you need to fix your spreadsheet. You can download the specification to help you fix the cells in your CSV file.
+      Here’s a list of everything that you need to fix your spreadsheet. You can download the <%= govuk_link_to "specification", Forms::BulkUploadLettings::PrepareYourFile.new(year: @bulk_upload.year).specification_path, target: "_blank" %> to help you fix the cells in your CSV file.
     </div>
 
     <h2 class="govuk-heading-m"><%= @bulk_upload.filename %></h2>
diff --git a/app/views/bulk_upload_lettings_results/summary.html.erb b/app/views/bulk_upload_lettings_results/summary.html.erb
index 2ea2214b3..a6072fe89 100644
--- a/app/views/bulk_upload_lettings_results/summary.html.erb
+++ b/app/views/bulk_upload_lettings_results/summary.html.erb
@@ -4,7 +4,7 @@
     <h1 class="govuk-heading-l">Fix <%= pluralize(@bulk_upload.bulk_upload_errors.count, "error") %> and upload file again</h1>
 
     <p class="govuk-body-l">
-      We could not create logs from your bulk upload. Below is a list of everything that you need to fix your spreadsheet. You can download the specification to help you fix the cells in your CSV file.
+      We could not create logs from your bulk upload. Below is a list of everything that you need to fix your spreadsheet. You can download the <%= govuk_link_to "specification", Forms::BulkUploadLettings::PrepareYourFile.new(year: @bulk_upload.year).specification_path, target: "_blank" %> to help you fix the cells in your CSV file.
     </p>
 
     <p class="govuk-body-l">
diff --git a/app/views/bulk_upload_sales_logs/forms/prepare_your_file.html.erb b/app/views/bulk_upload_sales_logs/forms/prepare_your_file.html.erb
index d2a6bd70c..9f59bf509 100644
--- a/app/views/bulk_upload_sales_logs/forms/prepare_your_file.html.erb
+++ b/app/views/bulk_upload_sales_logs/forms/prepare_your_file.html.erb
@@ -13,13 +13,13 @@
       <h2 class="govuk-heading-m">Create your file</h2>
       <ul class="govuk-list govuk-list--bullet">
         <li>Download the <%= govuk_link_to "bulk sales template", @form.template_path %></li>
-        <li>Export the data from your housing management system, matching the template. <%= govuk_link_to "Find out more about exporting your data", guidance_bulk_upload_sales_logs_path %></li>
+        <li>Export the data from your housing management system, matching the template. <%= govuk_link_to "Find out more about exporting your data", bulk_upload_sales_log_path(id: "guidance", form: { year: @form.year }) %></li>
         <li>If you cannot export it in this format, you may have to input it manually</li>
       </ul>
 
       <h2 class="govuk-heading-m">Check your data</h2>
       <ul class="govuk-list govuk-list--bullet">
-        <li>Check data is complete and formatted correctly, using data specifications (opens in a new tab)</li>
+        <li>Check data is complete and formatted correctly, using data <%= govuk_link_to "specifications", @form.specification_path, target: "_blank" %></li>
       </ul>
 
       <h2 class="govuk-heading-m">Save your file</h2>
diff --git a/app/views/bulk_upload_sales_results/show.html.erb b/app/views/bulk_upload_sales_results/show.html.erb
index aacc80f9c..6361c17ed 100644
--- a/app/views/bulk_upload_sales_results/show.html.erb
+++ b/app/views/bulk_upload_sales_results/show.html.erb
@@ -4,7 +4,7 @@
     <h1 class="govuk-heading-l">We found <%= pluralize(@bulk_upload.bulk_upload_errors.count, "error") %> in your file</h1>
 
     <div class="govuk-body">
-      Here’s a list of everything that you need to fix your spreadsheet. You can download the specification to help you fix the cells in your CSV file.
+      Here’s a list of everything that you need to fix your spreadsheet. You can download the <%= govuk_link_to "specification", Forms::BulkUploadSales::PrepareYourFile.new(year: @bulk_upload.year).specification_path, target: "_blank" %> to help you fix the cells in your CSV file.
     </div>
 
     <h2 class="govuk-heading-m"><%= @bulk_upload.filename %></h2>
diff --git a/app/views/bulk_upload_shared/guidance.html.erb b/app/views/bulk_upload_shared/guidance.html.erb
index 0c1f67bcc..7b4048469 100644
--- a/app/views/bulk_upload_shared/guidance.html.erb
+++ b/app/views/bulk_upload_shared/guidance.html.erb
@@ -1,5 +1,5 @@
 <% content_for :before_content do %>
-  <%= govuk_back_link href: :back %>
+  <%= govuk_back_link href: @form.back_path %>
 <% end %>
 
 <div class="govuk-grid-row">
@@ -33,7 +33,7 @@
         <p class="govuk-!-font-weight-bold">It can take HMS providers a while to update these per new collection year, so you may have to wait for updates to export, or adjust your data manually post-export.</p>
       <% end %>
       <%= govuk_details(summary_text: "My organisation does not have a CMS") do %>
-        <p class="govuk-body">Your organisation’s IT team may be able to export CSV data for you - <%= govuk_link_to "find out more about data specification", @form.specification_path %>. This document outlines:</p>
+        <p class="govuk-body">Your organisation’s IT team may be able to export CSV data for you - <%= govuk_link_to "find out more about data specification", @form.specification_path, target: "_blank" %>. This document outlines:</p>
         <ul class="govuk-list govuk-list--bullet">
           <li>required fields</li>
           <li>each field's valid response</li>
@@ -45,7 +45,7 @@
 
     <div class="govuk-!-padding-bottom-4">
       <h2 class="govuk-heading-s">Getting help</h2>
-      <p class="govuk-body">There is no step-by-step bulk upload guide like there is with single log upload. However, you can download <%= govuk_link_to "our template", @form.template_path %>, which you can copy-paste data into from your systems column-by-column. You can also view a post-upload report showing any data errors, and our <%= govuk_link_to "data specification", @form.specification_path %> can help fix these.</p>
+      <p class="govuk-body">There is no step-by-step bulk upload guide like there is with single log upload. However, you can download <%= govuk_link_to "our template", @form.template_path %>, which you can copy-paste data into from your systems column-by-column. You can also view a post-upload report showing any data errors, and our <%= govuk_link_to "data specification", @form.specification_path, target: "_blank" %> can help fix these.</p>
       <p class="govuk-body">If you still need support mapping data in the way we need, DLUHC’s helpdesk can help. If your data is across multiple systems, or is hard to export as a single file in the correct format, you could try different exports, or copy-pasting data by hand.</p>
     </div>
   </div>
diff --git a/config/routes.rb b/config/routes.rb
index 9c66098d7..eeadffa03 100644
--- a/config/routes.rb
+++ b/config/routes.rb
@@ -134,7 +134,6 @@ Rails.application.routes.draw do
       resources :bulk_upload_lettings_logs, path: "bulk-upload-logs", only: %i[show update] do
         collection do
           get :start
-          get "guidance", to: "bulk_upload_lettings_logs#guidance"
         end
       end
 
@@ -169,7 +168,6 @@ Rails.application.routes.draw do
       resources :bulk_upload_sales_logs, path: "bulk-upload-logs" do
         collection do
           get :start
-          get "guidance", to: "bulk_upload_sales_logs#guidance"
         end
       end
 
diff --git a/public/files/bulk-upload-lettings-specification-2023-24.xlsx b/public/files/bulk-upload-lettings-specification-2023-24.xlsx
new file mode 100644
index 000000000..819fdaee0
Binary files /dev/null and b/public/files/bulk-upload-lettings-specification-2023-24.xlsx differ
diff --git a/public/files/bulk-upload-lettings-template-v1.xlsx b/public/files/bulk-upload-lettings-template-2022-23.xlsx
similarity index 100%
rename from public/files/bulk-upload-lettings-template-v1.xlsx
rename to public/files/bulk-upload-lettings-template-2022-23.xlsx
diff --git a/public/files/bulk-upload-lettings-template-2023-24.xlsx b/public/files/bulk-upload-lettings-template-2023-24.xlsx
new file mode 100644
index 000000000..e97e67d25
Binary files /dev/null and b/public/files/bulk-upload-lettings-template-2023-24.xlsx differ
diff --git a/public/files/bulk-upload-sales-specification-2023-24.xlsx b/public/files/bulk-upload-sales-specification-2023-24.xlsx
new file mode 100644
index 000000000..d1927d275
Binary files /dev/null and b/public/files/bulk-upload-sales-specification-2023-24.xlsx differ
diff --git a/public/files/bulk-upload-sales-template-v1.xlsx b/public/files/bulk-upload-sales-template-2022-23.xlsx
similarity index 100%
rename from public/files/bulk-upload-sales-template-v1.xlsx
rename to public/files/bulk-upload-sales-template-2022-23.xlsx
diff --git a/public/files/bulk-upload-sales-template-2023-24.xlsx b/public/files/bulk-upload-sales-template-2023-24.xlsx
new file mode 100644
index 000000000..59fce8b6f
Binary files /dev/null and b/public/files/bulk-upload-sales-template-2023-24.xlsx differ
diff --git a/spec/models/validations/tenancy_validations_spec.rb b/spec/models/validations/tenancy_validations_spec.rb
index 9f3a2b873..e2dae02e2 100644
--- a/spec/models/validations/tenancy_validations_spec.rb
+++ b/spec/models/validations/tenancy_validations_spec.rb
@@ -311,6 +311,16 @@ RSpec.describe Validations::TenancyValidations do
         expect(record.errors["joint"]).to be_empty
         expect(record.errors["hhmemb"]).to be_empty
       end
+
+      it "does not error when don't know answer to joint" do
+        record.hhmemb = 1
+        record.joint = 3
+
+        tenancy_validator.validate_joint_tenancy(record)
+
+        expect(record.errors["joint"]).to be_empty
+        expect(record.errors["hhmemb"]).to be_empty
+      end
     end
   end
 end
diff --git a/spec/services/imports/lettings_logs_import_service_spec.rb b/spec/services/imports/lettings_logs_import_service_spec.rb
index 89dd6e0c4..c9f794336 100644
--- a/spec/services/imports/lettings_logs_import_service_spec.rb
+++ b/spec/services/imports/lettings_logs_import_service_spec.rb
@@ -671,5 +671,47 @@ RSpec.describe Imports::LettingsLogsImportService do
         expect(lettings_log.hhmemb).to eq(1)
       end
     end
+
+    context "when there are no outstanding charges but outstanding amount is given" do
+      let(:lettings_log_id) { "0b4a68df-30cc-474a-93c0-a56ce8fdad3b" }
+      let(:lettings_log_file) { open_file(fixture_directory, lettings_log_id) }
+      let(:lettings_log_xml) { Nokogiri::XML(lettings_log_file) }
+
+      before do
+        FormHandler.instance.use_fake_forms!
+        Singleton.__init__(FormHandler)
+
+        lettings_log_xml.at_xpath("//xmlns:DAY").content = "10"
+        lettings_log_xml.at_xpath("//xmlns:MONTH").content = "10"
+        lettings_log_xml.at_xpath("//xmlns:YEAR").content = "2022"
+        lettings_log_xml.at_xpath("//xmlns:P1Nat").content = "18"
+        lettings_log_xml.at_xpath("//xmlns:Q18d").content = "2"
+        lettings_log_xml.at_xpath("//xmlns:Q18dyes").content = "20"
+        lettings_log_xml.at_xpath("//xmlns:_2cYears").content = ""
+        lettings_log_xml.at_xpath("//xmlns:Inj").content = ""
+        lettings_log_xml.at_xpath("//xmlns:LeftAF").content = ""
+      end
+
+      after do
+        FormHandler.instance.use_real_forms!
+        Singleton.__init__(FormHandler)
+      end
+
+      it "intercepts the relevant validation error" do
+        expect(logger).to receive(:warn).with(/Removing tshortfall as there are no outstanding charges/)
+        expect { lettings_log_service.send(:create_log, lettings_log_xml) }
+          .not_to raise_error
+      end
+
+      it "clears out the referral answer" do
+        allow(logger).to receive(:warn)
+        lettings_log_service.send(:create_log, lettings_log_xml)
+        lettings_log = LettingsLog.find_by(old_id: lettings_log_id)
+
+        expect(lettings_log).not_to be_nil
+        expect(lettings_log.tshortfall).to be_nil
+        expect(lettings_log.hbrentshortfall).to be_nil
+      end
+    end
   end
 end
diff --git a/spec/services/imports/sales_logs_import_service_spec.rb b/spec/services/imports/sales_logs_import_service_spec.rb
index f0168ba11..3ab0c4a97 100644
--- a/spec/services/imports/sales_logs_import_service_spec.rb
+++ b/spec/services/imports/sales_logs_import_service_spec.rb
@@ -637,6 +637,30 @@ RSpec.describe Imports::SalesLogsImportService do
       end
     end
 
+    context "when mortgage value is 0" do
+      let(:sales_log_id) { "shared_ownership_sales_log" }
+
+      before do
+        sales_log_xml.at_xpath("//xmlns:CALCMORT").content = "0"
+      end
+
+      it "intercepts the relevant validation error" do
+        expect(logger).to receive(:warn).with(/Removing mortgage because it cannot be 0/)
+        expect { sales_log_service.send(:create_log, sales_log_xml) }
+          .not_to raise_error
+      end
+
+      it "clears out the referral answer" do
+        allow(logger).to receive(:warn)
+
+        sales_log_service.send(:create_log, sales_log_xml)
+        sales_log = SalesLog.find_by(old_id: sales_log_id)
+
+        expect(sales_log).not_to be_nil
+        expect(sales_log.mortgage).to be_nil
+      end
+    end
+
     context "and it has an invalid income" do
       let(:sales_log_id) { "shared_ownership_sales_log" }