diff --git a/app/models/sales_log.rb b/app/models/sales_log.rb
index 24dbea376..d3066974f 100644
--- a/app/models/sales_log.rb
+++ b/app/models/sales_log.rb
@@ -103,4 +103,12 @@ class SalesLog < Log
   def london_property?
     la && LONDON_BOROUGHS.include?(la)
   end
+
+  def income1_used_for_mortgage?
+    inc1mort == 1
+  end
+
+  def income2_used_for_mortgage?
+    inc2mort == 1
+  end
 end
diff --git a/app/models/validations/sales/soft_validations.rb b/app/models/validations/sales/soft_validations.rb
index 478ce6647..1caa7480c 100644
--- a/app/models/validations/sales/soft_validations.rb
+++ b/app/models/validations/sales/soft_validations.rb
@@ -14,6 +14,10 @@ module Validations::Sales::SoftValidations
   end
 
   def mortgage_over_soft_max?
-    true
+    return false unless mortgage && inc1mort && inc2mort
+    return false if income1_used_for_mortgage? && income1.blank? || income2_used_for_mortgage? && income2.blank?
+
+    income_used_for_mortgage = (income1_used_for_mortgage? ? income1 : 0) + (income2_used_for_mortgage? ? income2 : 0)
+    mortgage > income_used_for_mortgage * 5
   end
 end
diff --git a/spec/models/validations/sales/soft_validations_spec.rb b/spec/models/validations/sales/soft_validations_spec.rb
index f9cac3d47..6eb454e07 100644
--- a/spec/models/validations/sales/soft_validations_spec.rb
+++ b/spec/models/validations/sales/soft_validations_spec.rb
@@ -86,4 +86,119 @@ RSpec.describe Validations::Sales::SoftValidations do
       end
     end
   end
+
+  describe "mortgage amount validations" do
+    context "when validating soft max" do
+      it "returns false if no mortgage is given" do
+        record.mortgage = nil
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns false if no inc1mort is given" do
+        record.inc1mort = nil
+        record.mortgage = 20_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns false if no inc2mort is given" do
+        record.inc1mort = 2
+        record.inc2mort = nil
+        record.mortgage = 20_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns false if no income1 is given and inc1mort is yes" do
+        record.inc1mort = 1
+        record.inc2mort = 2
+        record.income1 = nil
+        record.mortgage = 20_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns false if no income2 is given and inc2mort is yes" do
+        record.inc1mort = 2
+        record.inc2mort = 1
+        record.income2 = nil
+        record.mortgage = 20_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns true if only income1 is used for morgage and it is less than 1/5 of the morgage" do
+        record.inc1mort = 1
+        record.income1 = 10_000
+        record.mortgage = 51_000
+        record.inc2mort = 2
+        expect(record)
+          .to be_mortgage_over_soft_max
+      end
+
+      it "returns false if only income1 is used for morgage and it is more than 1/5 of the morgage" do
+        record.inc1mort = 1
+        record.income1 = 10_000
+        record.mortgage = 44_000
+        record.inc2mort = 2
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns true if only income2 is used for morgage and it is less than 1/5 of the morgage" do
+        record.inc1mort = 2
+        record.inc2mort = 1
+        record.income2 = 10_000
+        record.mortgage = 51_000
+        expect(record)
+          .to be_mortgage_over_soft_max
+      end
+
+      it "returns false if only income2 is used for morgage and it is more than 1/5 of the morgage" do
+        record.inc1mort = 2
+        record.inc2mort = 1
+        record.income2 = 10_000
+        record.mortgage = 44_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns true if income1 and income2 are used for morgage and their sum is less than 1/5 of the morgage" do
+        record.inc1mort = 1
+        record.inc2mort = 1
+        record.income1 = 10_000
+        record.income2 = 10_000
+        record.mortgage = 101_000
+        expect(record)
+          .to be_mortgage_over_soft_max
+      end
+
+      it "returns false if income1 and income2 are used for morgage and their sum is more than 1/5 of the morgage" do
+        record.inc1mort = 1
+        record.inc2mort = 1
+        record.income1 = 8_000
+        record.income2 = 17_000
+        record.mortgage = 124_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns true if neither of the incomes are used for morgage and the morgage is more than 0" do
+        record.inc1mort = 2
+        record.inc2mort = 2
+        record.mortgage = 124_000
+        expect(record)
+          .to be_mortgage_over_soft_max
+      end
+
+      it "returns true if neither of the incomes are used for morgage and the morgage is 0" do
+        record.inc1mort = 2
+        record.inc2mort = 2
+        record.mortgage = 0
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+    end
+  end
 end