diff --git a/app/controllers/schemes_controller.rb b/app/controllers/schemes_controller.rb
index 1468bc013..3df38a237 100644
--- a/app/controllers/schemes_controller.rb
+++ b/app/controllers/schemes_controller.rb
@@ -145,8 +145,8 @@ class SchemesController < ApplicationController
     if @scheme.errors.empty? && @scheme.update(scheme_params)
       @scheme.update!(secondary_client_group: nil) if @scheme.has_other_client_group == "No"
       if scheme_params[:confirmed] == "true" || @scheme.confirmed?
-        if check_answers && confirm_secondary_page?(page)
-          redirect_to scheme_secondary_client_group_path(@scheme, check_answers: "true")
+        if check_answers && should_direct_via_secondary_client_group_page?(page)
+          redirect_to scheme_secondary_client_group_path(@scheme, referrer: "check-answers")
         else
           @scheme.locations.update!(confirmed: true)
           flash[:notice] = if scheme_previously_confirmed
@@ -157,8 +157,8 @@ class SchemesController < ApplicationController
           redirect_to scheme_path(@scheme)
         end
       elsif check_answers
-        if confirm_secondary_page?(page)
-          redirect_to scheme_secondary_client_group_path(@scheme, check_answers: "true")
+        if should_direct_via_secondary_client_group_page?(page)
+          redirect_to scheme_secondary_client_group_path(@scheme, referrer: "check-answers")
         else
           redirect_to scheme_check_answers_path(@scheme)
         end
@@ -249,8 +249,8 @@ private
     end
   end
 
-  def confirm_secondary_page?(page)
-    page == "confirm-secondary" && @scheme.has_other_client_group == "Yes"
+  def should_direct_via_secondary_client_group_page?(page)
+    page == "confirm-secondary" && @scheme.has_other_client_group == "Yes" && @scheme.secondary_client_group.nil?
   end
 
   def current_template(page)
@@ -293,9 +293,9 @@ private
   def scheme_params
     required_params = params.require(:scheme).permit(:service_name,
                                                      :sensitive,
-                                                     :owning_organisation_id,
                                                      :scheme_type,
                                                      :registered_under_care_act,
+                                                     :owning_organisation_id,
                                                      :id,
                                                      :has_other_client_group,
                                                      :primary_client_group,
diff --git a/app/frontend/styles/_table-group.scss b/app/frontend/styles/_table-group.scss
index 6f488d6cb..a38f749dd 100644
--- a/app/frontend/styles/_table-group.scss
+++ b/app/frontend/styles/_table-group.scss
@@ -24,7 +24,8 @@
 }
 
 .scheme-name-cell {
-  word-break: break-all;
+  overflow-wrap: break-word;
+  word-break: break-word;
 }
 
 .app-table-group:focus {
diff --git a/app/helpers/form_page_error_helper.rb b/app/helpers/form_page_error_helper.rb
index c2c13e0c6..2c90bfd2a 100644
--- a/app/helpers/form_page_error_helper.rb
+++ b/app/helpers/form_page_error_helper.rb
@@ -14,6 +14,6 @@ module FormPageErrorHelper
   end
 
   def all_questions_affected_by_errors(log)
-    log.errors.map(&:attribute) - [:base]
+    (log.errors.map(&:attribute) - [:base]).uniq
   end
 end
diff --git a/app/helpers/schemes_helper.rb b/app/helpers/schemes_helper.rb
index 7efb9fffd..bcd40b082 100644
--- a/app/helpers/schemes_helper.rb
+++ b/app/helpers/schemes_helper.rb
@@ -64,15 +64,15 @@ module SchemesHelper
   def change_answer_link(scheme, question_id, user)
     case question_id
     when "service_name", "sensitive", "scheme_type", "registered_under_care_act", "owning_organisation_id", "arrangement_type"
-      user.support? || !scheme.confirmed? ? scheme_details_path(scheme, check_answers: true) : scheme_edit_name_path(scheme)
+      user.support? || !scheme.confirmed? ? scheme_details_path(scheme, referrer: "check-answers") : scheme_edit_name_path(scheme)
     when "primary_client_group"
-      scheme_primary_client_group_path(scheme, check_answers: true)
+      scheme_primary_client_group_path(scheme, referrer: "check-answers")
     when "has_other_client_group"
-      scheme_confirm_secondary_client_group_path(scheme, check_answers: true)
+      scheme_confirm_secondary_client_group_path(scheme, referrer: "check-answers")
     when "secondary_client_group"
-      scheme_secondary_client_group_path(scheme, check_answers: true)
+      scheme_secondary_client_group_path(scheme, referrer: "check-answers")
     when "support_type", "intended_stay"
-      scheme_support_path(scheme, check_answers: true)
+      scheme_support_path(scheme, referrer: "check-answers")
     end
   end
 
diff --git a/app/models/form/sales/pages/buyer2_relationship_to_buyer1_yes_no.rb b/app/models/form/sales/pages/buyer2_relationship_to_buyer1_yes_no.rb
new file mode 100644
index 000000000..570dbd1bb
--- /dev/null
+++ b/app/models/form/sales/pages/buyer2_relationship_to_buyer1_yes_no.rb
@@ -0,0 +1,14 @@
+class Form::Sales::Pages::Buyer2RelationshipToBuyer1YesNo < ::Form::Page
+  def initialize(id, hsh, subsection)
+    super
+    @id = "buyer_2_relationship_to_buyer_1"
+    @copy_key = "sales.household_characteristics.relat2.buyer"
+    @depends_on = [{ "joint_purchase?" => true }]
+  end
+
+  def questions
+    @questions ||= [
+      Form::Sales::Questions::Buyer2RelationshipToBuyer1YesNo.new(nil, nil, self),
+    ]
+  end
+end
diff --git a/app/models/form/sales/pages/person_relationship_to_buyer_1_yes_no.rb b/app/models/form/sales/pages/person_relationship_to_buyer_1_yes_no.rb
new file mode 100644
index 000000000..01234b219
--- /dev/null
+++ b/app/models/form/sales/pages/person_relationship_to_buyer_1_yes_no.rb
@@ -0,0 +1,15 @@
+class Form::Sales::Pages::PersonRelationshipToBuyer1YesNo < ::Form::Sales::Pages::Person
+  def initialize(id, hsh, subsection, person_index:)
+    super
+    @copy_key = "sales.household_characteristics.relat2.person" if person_index == 2
+    @depends_on = [
+      { "details_known_#{person_index}" => 1 },
+    ]
+  end
+
+  def questions
+    @questions ||= [
+      Form::Sales::Questions::PersonRelationshipToBuyer1YesNo.new("relat#{@person_index}", nil, self, person_index: @person_index),
+    ]
+  end
+end
diff --git a/app/models/form/sales/questions/buyer2_relationship_to_buyer1.rb b/app/models/form/sales/questions/buyer2_relationship_to_buyer1.rb
index 9520ace67..fd65f14a2 100644
--- a/app/models/form/sales/questions/buyer2_relationship_to_buyer1.rb
+++ b/app/models/form/sales/questions/buyer2_relationship_to_buyer1.rb
@@ -17,7 +17,6 @@ class Form::Sales::Questions::Buyer2RelationshipToBuyer1 < ::Form::Question
 
   def answer_options
     if form.start_year_2024_or_later?
-
       {
         "P" => { "value" => "Partner" },
         "C" => { "value" => "Child" },
diff --git a/app/models/form/sales/questions/buyer2_relationship_to_buyer1_yes_no.rb b/app/models/form/sales/questions/buyer2_relationship_to_buyer1_yes_no.rb
new file mode 100644
index 000000000..43fe672e1
--- /dev/null
+++ b/app/models/form/sales/questions/buyer2_relationship_to_buyer1_yes_no.rb
@@ -0,0 +1,23 @@
+class Form::Sales::Questions::Buyer2RelationshipToBuyer1YesNo < ::Form::Question
+  def initialize(id, hsh, page)
+    super
+    @id = "relat2"
+    @copy_key = "sales.household_characteristics.relat2.buyer"
+    @type = "radio"
+    @answer_options = {
+      "P" => { "value" => "Yes" },
+      "X" => { "value" => "No" },
+      "R" => { "value" => "Buyer prefers not to say" },
+    }
+    @inferred_check_answers_value = [{
+      "condition" => {
+        "relat2" => "R",
+      },
+      "value" => "Prefers not to say",
+    }]
+    @check_answers_card_number = 2
+    @question_number = QUESTION_NUMBER_FROM_YEAR[form.start_date.year] || QUESTION_NUMBER_FROM_YEAR[QUESTION_NUMBER_FROM_YEAR.keys.max]
+  end
+
+  QUESTION_NUMBER_FROM_YEAR = { 2025 => 29 }.freeze
+end
diff --git a/app/models/form/sales/questions/person_relationship_to_buyer_1_yes_no.rb b/app/models/form/sales/questions/person_relationship_to_buyer_1_yes_no.rb
new file mode 100644
index 000000000..60dddfd45
--- /dev/null
+++ b/app/models/form/sales/questions/person_relationship_to_buyer_1_yes_no.rb
@@ -0,0 +1,29 @@
+class Form::Sales::Questions::PersonRelationshipToBuyer1YesNo < ::Form::Question
+  def initialize(id, hsh, page, person_index:)
+    super(id, hsh, page)
+    @type = "radio"
+    @copy_key = "sales.household_characteristics.relat2.person" if person_index == 2
+    @answer_options = {
+      "P" => { "value" => "Yes" },
+      "X" => { "value" => "No" },
+      "R" => { "value" => "Person prefers not to say" },
+    }
+    @inferred_check_answers_value = [{
+      "condition" => {
+        id => "R",
+      },
+      "value" => "Prefers not to say",
+    }]
+    @check_answers_card_number = person_index
+    @person_index = person_index
+    @question_number = question_number
+  end
+
+  def question_number
+    base_question_number = QUESTION_NUMBER_FROM_YEAR[form.start_date.year] || QUESTION_NUMBER_FROM_YEAR[QUESTION_NUMBER_FROM_YEAR.keys.max]
+
+    base_question_number + (4 * @person_index)
+  end
+
+  QUESTION_NUMBER_FROM_YEAR = { 2025 => 30 }.freeze
+end
diff --git a/app/models/form/sales/subsections/discounted_ownership_scheme.rb b/app/models/form/sales/subsections/discounted_ownership_scheme.rb
index 8131df4a7..63ce4af47 100644
--- a/app/models/form/sales/subsections/discounted_ownership_scheme.rb
+++ b/app/models/form/sales/subsections/discounted_ownership_scheme.rb
@@ -28,8 +28,7 @@ class Form::Sales::Subsections::DiscountedOwnershipScheme < ::Form::Subsection
       Form::Sales::Pages::DiscountedSaleValueCheck.new("discounted_sale_mortgage_value_check", nil, self),
       Form::Sales::Pages::ExtraBorrowingValueCheck.new("extra_borrowing_mortgage_value_check", nil, self),
       Form::Sales::Pages::DepositAndMortgageValueCheck.new("discounted_ownership_deposit_and_mortgage_value_check_after_mortgage", nil, self),
-      Form::Sales::Pages::MortgageLender.new("mortgage_lender_discounted_ownership", nil, self, ownershipsch: 2),
-      Form::Sales::Pages::MortgageLenderOther.new("mortgage_lender_other_discounted_ownership", nil, self, ownershipsch: 2),
+      mortgage_lender_questions,
       Form::Sales::Pages::MortgageLength.new("mortgage_length_discounted_ownership", nil, self, ownershipsch: 2),
       Form::Sales::Pages::ExtraBorrowing.new("extra_borrowing_discounted_ownership", nil, self, ownershipsch: 2),
       Form::Sales::Pages::ExtraBorrowingValueCheck.new("extra_borrowing_value_check", nil, self),
@@ -41,10 +40,19 @@ class Form::Sales::Subsections::DiscountedOwnershipScheme < ::Form::Subsection
       Form::Sales::Pages::DiscountedSaleValueCheck.new("discounted_sale_deposit_value_check", nil, self),
       Form::Sales::Pages::LeaseholdCharges.new("leasehold_charges_discounted_ownership", nil, self, ownershipsch: 2),
       Form::Sales::Pages::MonthlyChargesValueCheck.new("monthly_charges_discounted_ownership_value_check", nil, self),
-    ]
+    ].flatten.compact
   end
 
   def displayed_in_tasklist?(log)
     log.ownershipsch.nil? || log.ownershipsch == 2
   end
+
+  def mortgage_lender_questions
+    unless form.start_year_2025_or_later?
+      [
+        Form::Sales::Pages::MortgageLender.new("mortgage_lender_discounted_ownership", nil, self, ownershipsch: 2),
+        Form::Sales::Pages::MortgageLenderOther.new("mortgage_lender_other_discounted_ownership", nil, self, ownershipsch: 2),
+      ]
+    end
+  end
 end
diff --git a/app/models/form/sales/subsections/household_characteristics.rb b/app/models/form/sales/subsections/household_characteristics.rb
index f1f01ba62..e839b1979 100644
--- a/app/models/form/sales/subsections/household_characteristics.rb
+++ b/app/models/form/sales/subsections/household_characteristics.rb
@@ -3,7 +3,14 @@ class Form::Sales::Subsections::HouseholdCharacteristics < ::Form::Subsection
     super
     @id = "household_characteristics"
     @label = "Household characteristics"
-    @depends_on = [{ "setup_completed?" => true, "company_buyer?" => false }]
+  end
+
+  def depends_on
+    if form.start_year_2025_or_later?
+      [{ "setup_completed?" => true }]
+    else
+      [{ "setup_completed?" => true, "company_buyer?" => false }]
+    end
   end
 
   def pages
@@ -31,7 +38,7 @@ class Form::Sales::Subsections::HouseholdCharacteristics < ::Form::Subsection
       Form::Sales::Pages::Buyer1IncomeMinValueCheck.new("working_situation_buyer_1_income_min_value_check", nil, self),
       Form::Sales::Pages::Buyer1LiveInProperty.new(nil, nil, self),
       Form::Sales::Pages::BuyerLiveInValueCheck.new("buyer_1_live_in_property_value_check", nil, self, person_index: 1),
-      Form::Sales::Pages::Buyer2RelationshipToBuyer1.new(nil, nil, self),
+      (form.start_year_2025_or_later? ? Form::Sales::Pages::Buyer2RelationshipToBuyer1YesNo.new(nil, nil, self) : Form::Sales::Pages::Buyer2RelationshipToBuyer1.new(nil, nil, self)),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("buyer_2_relationship_student_not_child_value_check", nil, self, person_index: 2),
       Form::Sales::Pages::Age2.new(nil, nil, self),
       Form::Sales::Pages::OldPersonsSharedOwnershipValueCheck.new("age_2_old_persons_shared_ownership_joint_purchase_value_check", nil, self, joint_purchase: true),
@@ -51,7 +58,7 @@ class Form::Sales::Subsections::HouseholdCharacteristics < ::Form::Subsection
       Form::Sales::Pages::NumberOfOthersInProperty.new("number_of_others_in_property", nil, self, joint_purchase: false),
       Form::Sales::Pages::NumberOfOthersInProperty.new("number_of_others_in_property_joint_purchase", nil, self, joint_purchase: true),
       Form::Sales::Pages::PersonKnown.new("person_2_known", nil, self, person_index: 2),
-      Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_2_relationship_to_buyer_1", nil, self, person_index: 2),
+      (form.start_year_2025_or_later? ? Form::Sales::Pages::PersonRelationshipToBuyer1YesNo.new("person_2_relationship_to_buyer_1", nil, self, person_index: 2) : Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_2_relationship_to_buyer_1", nil, self, person_index: 2)),
       (Form::Sales::Pages::PartnerUnder16ValueCheck.new("relationship_2_partner_under_16_value_check", nil, self, person_index: 2) if form.start_year_2024_or_later?),
       (Form::Sales::Pages::MultiplePartnersValueCheck.new("relationship_2_multiple_partners_value_check", nil, self, person_index: 2) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("relationship_2_student_not_child_value_check", nil, self, person_index: 2),
@@ -66,7 +73,7 @@ class Form::Sales::Subsections::HouseholdCharacteristics < ::Form::Subsection
       (Form::Sales::Pages::NotRetiredValueCheck.new("working_situation_2_not_retired_value_check", nil, self, person_index: 2) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("working_situation_2_student_not_child_value_check", nil, self, person_index: 2),
       Form::Sales::Pages::PersonKnown.new("person_3_known", nil, self, person_index: 3),
-      Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_3_relationship_to_buyer_1", nil, self, person_index: 3),
+      (form.start_year_2025_or_later? ? Form::Sales::Pages::PersonRelationshipToBuyer1YesNo.new("person_3_relationship_to_buyer_1", nil, self, person_index: 3) : Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_3_relationship_to_buyer_1", nil, self, person_index: 3)),
       (Form::Sales::Pages::PartnerUnder16ValueCheck.new("relationship_3_partner_under_16_value_check", nil, self, person_index: 3) if form.start_year_2024_or_later?),
       (Form::Sales::Pages::MultiplePartnersValueCheck.new("relationship_3_multiple_partners_value_check", nil, self, person_index: 3) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("relationship_3_student_not_child_value_check", nil, self, person_index: 3),
@@ -81,7 +88,7 @@ class Form::Sales::Subsections::HouseholdCharacteristics < ::Form::Subsection
       (Form::Sales::Pages::NotRetiredValueCheck.new("working_situation_3_not_retired_value_check", nil, self, person_index: 3) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("working_situation_3_student_not_child_value_check", nil, self, person_index: 3),
       Form::Sales::Pages::PersonKnown.new("person_4_known", nil, self, person_index: 4),
-      Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_4_relationship_to_buyer_1", nil, self, person_index: 4),
+      (form.start_year_2025_or_later? ? Form::Sales::Pages::PersonRelationshipToBuyer1YesNo.new("person_4_relationship_to_buyer_1", nil, self, person_index: 4) : Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_4_relationship_to_buyer_1", nil, self, person_index: 4)),
       (Form::Sales::Pages::PartnerUnder16ValueCheck.new("relationship_4_partner_under_16_value_check", nil, self, person_index: 4) if form.start_year_2024_or_later?),
       (Form::Sales::Pages::MultiplePartnersValueCheck.new("relationship_4_multiple_partners_value_check", nil, self, person_index: 4) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("relationship_4_student_not_child_value_check", nil, self, person_index: 4),
@@ -96,7 +103,7 @@ class Form::Sales::Subsections::HouseholdCharacteristics < ::Form::Subsection
       (Form::Sales::Pages::NotRetiredValueCheck.new("working_situation_4_not_retired_value_check", nil, self, person_index: 4) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("working_situation_4_student_not_child_value_check", nil, self, person_index: 4),
       Form::Sales::Pages::PersonKnown.new("person_5_known", nil, self, person_index: 5),
-      Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_5_relationship_to_buyer_1", nil, self, person_index: 5),
+      (form.start_year_2025_or_later? ? Form::Sales::Pages::PersonRelationshipToBuyer1YesNo.new("person_5_relationship_to_buyer_1", nil, self, person_index: 5) : Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_5_relationship_to_buyer_1", nil, self, person_index: 5)),
       (Form::Sales::Pages::PartnerUnder16ValueCheck.new("relationship_5_partner_under_16_value_check", nil, self, person_index: 5) if form.start_year_2024_or_later?),
       (Form::Sales::Pages::MultiplePartnersValueCheck.new("relationship_5_multiple_partners_value_check", nil, self, person_index: 5) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("relationship_5_student_not_child_value_check", nil, self, person_index: 5),
@@ -111,7 +118,7 @@ class Form::Sales::Subsections::HouseholdCharacteristics < ::Form::Subsection
       (Form::Sales::Pages::NotRetiredValueCheck.new("working_situation_5_not_retired_value_check", nil, self, person_index: 5) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("working_situation_5_student_not_child_value_check", nil, self, person_index: 5),
       Form::Sales::Pages::PersonKnown.new("person_6_known", nil, self, person_index: 6),
-      Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_6_relationship_to_buyer_1", nil, self, person_index: 6),
+      (form.start_year_2025_or_later? ? Form::Sales::Pages::PersonRelationshipToBuyer1YesNo.new("person_6_relationship_to_buyer_1", nil, self, person_index: 6) : Form::Sales::Pages::PersonRelationshipToBuyer1.new("person_6_relationship_to_buyer_1", nil, self, person_index: 6)),
       (Form::Sales::Pages::PartnerUnder16ValueCheck.new("relationship_6_partner_under_16_value_check", nil, self, person_index: 6) if form.start_year_2024_or_later?),
       (Form::Sales::Pages::MultiplePartnersValueCheck.new("relationship_6_multiple_partners_value_check", nil, self, person_index: 6) if form.start_year_2024_or_later?),
       Form::Sales::Pages::PersonStudentNotChildValueCheck.new("relationship_6_student_not_child_value_check", nil, self, person_index: 6),
@@ -143,6 +150,8 @@ class Form::Sales::Subsections::HouseholdCharacteristics < ::Form::Subsection
   end
 
   def displayed_in_tasklist?(log)
+    return true if form.start_year_2025_or_later?
+
     !log.company_buyer?
   end
 end
diff --git a/app/models/validations/sales/financial_validations.rb b/app/models/validations/sales/financial_validations.rb
index a2cb2170f..91d4c31b7 100644
--- a/app/models/validations/sales/financial_validations.rb
+++ b/app/models/validations/sales/financial_validations.rb
@@ -73,8 +73,9 @@ module Validations::Sales::FinancialValidations
                 end
 
     if threshold && record.stairbought < threshold
-      record.errors.add :stairbought, I18n.t("validations.sales.financial.stairbought.percentage_bought_must_be_at_least_threshold", threshold:)
-      record.errors.add :type, I18n.t("validations.sales.financial.type.percentage_bought_must_be_at_least_threshold", threshold:)
+      shared_ownership_type = record.form.get_question("type", record).label_from_value(record.type).downcase
+      record.errors.add :stairbought, I18n.t("validations.sales.financial.stairbought.percentage_bought_must_be_at_least_threshold", threshold:, shared_ownership_type:)
+      record.errors.add :type, I18n.t("validations.sales.financial.type.percentage_bought_must_be_at_least_threshold", threshold:, shared_ownership_type:)
     end
   end
 
diff --git a/app/views/schemes/confirm_secondary.html.erb b/app/views/schemes/confirm_secondary.html.erb
index 7e7cfeebf..9b715c264 100644
--- a/app/views/schemes/confirm_secondary.html.erb
+++ b/app/views/schemes/confirm_secondary.html.erb
@@ -1,9 +1,7 @@
 <% content_for :title, "Does this scheme provide for another client group?" %>
 
 <% content_for :before_content do %>
-  <%= govuk_back_link(
-    href: request.query_parameters["check_answers"] ? "check-answers" : "primary-client-group",
-  ) %>
+  <%= govuk_back_link(href: :back) %>
 <% end %>
 
 <%= render partial: "organisations/headings", locals: { main: "Does this scheme provide for another client group?", sub: @scheme.service_name } %>
@@ -22,7 +20,7 @@
         legend: nil %>
 
       <%= f.hidden_field :page, value: "confirm-secondary" %>
-      <% if request.query_parameters["check_answers"] == "true" %>
+      <% if params[:referrer] == "check-answers" %>
         <%= f.hidden_field :check_answers, value: "true" %>
         <%= f.govuk_submit "Save changes" %>
       <% else %>
diff --git a/app/views/schemes/details.html.erb b/app/views/schemes/details.html.erb
index 71f924782..cb29a56dc 100644
--- a/app/views/schemes/details.html.erb
+++ b/app/views/schemes/details.html.erb
@@ -75,7 +75,7 @@
                                            legend: { text: "Who provides the support services used by this scheme?", size: "m" } %>
 
       <%= f.hidden_field :page, value: "details" %>
-      <% if request.query_parameters["check_answers"] %>
+      <% if params[:referrer] == "check-answers" %>
         <%= f.hidden_field :check_answers, value: "true" %>
         <%= f.govuk_submit "Save changes" %>
       <% else %>
diff --git a/app/views/schemes/edit_name.html.erb b/app/views/schemes/edit_name.html.erb
index 030635b79..2cb0f791a 100644
--- a/app/views/schemes/edit_name.html.erb
+++ b/app/views/schemes/edit_name.html.erb
@@ -39,7 +39,7 @@
 
       <%= f.hidden_field :page, value: "edit-name" %>
 
-      <% if request.query_parameters["check_answers"] %>
+      <% if params[:referrer] == "check-answers" %>
         <%= f.hidden_field :check_answers, value: "true" %>
       <% end %>
 
diff --git a/app/views/schemes/primary_client_group.html.erb b/app/views/schemes/primary_client_group.html.erb
index 85db05b55..55dc504b4 100644
--- a/app/views/schemes/primary_client_group.html.erb
+++ b/app/views/schemes/primary_client_group.html.erb
@@ -1,9 +1,9 @@
 <% content_for :title, "What client group is this scheme intended for?" %>
 
-<% if request.referer&.include?("new") || request.referer&.include?("details") %>
+<% if request.referer&.include?("new") %>
   <% back_button_path = scheme_details_path(@scheme) %>
-<% elsif request.query_parameters["check_answers"] %>
-  <% back_button_path = scheme_check_answers_path(@scheme) %>
+<% else %>
+  <% back_button_path = :back %>
 <% end %>
 
 <% content_for :before_content do %>
@@ -30,7 +30,7 @@
         <%= f.hidden_field :check_answers, value: "true" %>
       <% end %>
 
-      <% if request.query_parameters["check_answers"] == "true" %>
+      <% if params[:referrer] == "check-answers" %>
         <%= f.hidden_field :check_answers, value: "true" %>
         <%= f.govuk_submit "Save changes" %>
       <% else %>
diff --git a/app/views/schemes/secondary_client_group.html.erb b/app/views/schemes/secondary_client_group.html.erb
index 1e70fd92b..cd50283e3 100644
--- a/app/views/schemes/secondary_client_group.html.erb
+++ b/app/views/schemes/secondary_client_group.html.erb
@@ -1,9 +1,7 @@
 <% content_for :title, "What is the other client group?" %>
 
 <% content_for :before_content do %>
-  <%= govuk_back_link(
-    href: request.query_parameters["check_answers"] ? "check-answers" : "confirm-secondary-client-group",
-  ) %>
+  <%= govuk_back_link(href: :back) %>
 <% end %>
 
 <%= form_for(@scheme, method: :patch) do |f| %>
@@ -22,7 +20,7 @@
         legend: nil %>
 
       <%= f.hidden_field :page, value: "secondary-client-group" %>
-      <% if request.query_parameters["check_answers"] == "true" %>
+      <% if params[:referrer] == "check-answers" %>
         <%= f.hidden_field :check_answers, value: "true" %>
         <%= f.govuk_submit "Save changes" %>
       <% else %>
diff --git a/app/views/schemes/support.html.erb b/app/views/schemes/support.html.erb
index a004a3da9..a5d30ed7f 100644
--- a/app/views/schemes/support.html.erb
+++ b/app/views/schemes/support.html.erb
@@ -1,9 +1,7 @@
 <% content_for :title, "What support does this scheme provide?" %>
 
 <% content_for :before_content do %>
-  <%= govuk_back_link(
-    href: request.query_parameters["check_answers"] ? "check-answers" : "secondary-client-group",
-  ) %>
+  <%= govuk_back_link(href: :back) %>
 <% end %>
 
 <%= form_for(@scheme, method: :patch) do |f| %>
@@ -38,7 +36,7 @@
 
       <%= f.hidden_field :page, value: "support" %>
 
-      <% if request.query_parameters["check_answers"] == "true" %>
+      <% if params[:referrer] == "check-answers" %>
         <%= f.hidden_field :check_answers, value: "true" %>
         <%= f.govuk_submit "Save changes" %>
       <% else %>
diff --git a/config/locales/forms/2025/sales/household_characteristics.en.yml b/config/locales/forms/2025/sales/household_characteristics.en.yml
index b92cba2de..3f9f503be 100644
--- a/config/locales/forms/2025/sales/household_characteristics.en.yml
+++ b/config/locales/forms/2025/sales/household_characteristics.en.yml
@@ -80,14 +80,14 @@ en:
           relat2:
             buyer:
               page_header: ""
-              check_answer_label: "Buyer 2's relationship to buyer 1"
+              check_answer_label: "Buyer 2 is the partner of buyer 1"
               hint_text: ""
-              question_text: "What is buyer 2's relationship to buyer 1?"
+              question_text: "Is buyer 2 the partner of buyer 1?"
             person:
               page_header: ""
-              check_answer_label: "Person 2’s relationship to Buyer 1"
+              check_answer_label: "Person 2 is the partner of buyer 1"
               hint_text: ""
-              question_text: "What is Person 2’s relationship to Buyer 1?"
+              question_text: "Is person 2 the partner of buyer 1?"
 
           age2:
             buyer:
@@ -212,9 +212,9 @@ en:
 
           relat3:
             page_header: ""
-            check_answer_label: "Person 3’s relationship to Buyer 1"
+            check_answer_label: "Person 3 is the partner of buyer 1"
             hint_text: ""
-            question_text: "What is Person 3’s relationship to Buyer 1?"
+            question_text: "Is person 3 the partner of buyer 1?"
 
           age3:
             page_header: ""
@@ -247,9 +247,9 @@ en:
 
           relat4:
             page_header: ""
-            check_answer_label: "Person 4’s relationship to Buyer 1"
+            check_answer_label: "Person 4 is the partner of buyer 1"
             hint_text: ""
-            question_text: "What is Person 4’s relationship to Buyer 1?"
+            question_text: "Is person 4 the partner of buyer 1?"
 
           age4:
             page_header: ""
@@ -282,9 +282,9 @@ en:
 
           relat5:
             page_header: ""
-            check_answer_label: "Person 5’s relationship to Buyer 1"
+            check_answer_label: "Person 5 is the partner of buyer 1"
             hint_text: ""
-            question_text: "What is Person 5’s relationship to Buyer 1?"
+            question_text: "Is person 5 the partner of buyer 1?"
 
           age5:
             page_header: ""
@@ -317,9 +317,9 @@ en:
 
           relat6:
             page_header: ""
-            check_answer_label: "Person 6’s relationship to Buyer 1"
+            check_answer_label: "Person 6 is the partner of buyer 1"
             hint_text: ""
-            question_text: "What is Person 6’s relationship to Buyer 1?"
+            question_text: "Is person 6 the partner of buyer 1?"
 
           age6:
             page_header: ""
diff --git a/config/locales/validations/sales/financial.en.yml b/config/locales/validations/sales/financial.en.yml
index 55d563ee3..a4fe65464 100644
--- a/config/locales/validations/sales/financial.en.yml
+++ b/config/locales/validations/sales/financial.en.yml
@@ -55,7 +55,7 @@ en:
         type:
           equity_under_min: "The minimum initial equity stake for this type of shared ownership sale is %{min_equity}%."
           equity_over_max: "The maximum initial equity stake is %{max_equity}%."
-          percentage_bought_must_be_at_least_threshold: "The minimum increase in equity while staircasing is %{threshold}% for this shared ownership type."
+          percentage_bought_must_be_at_least_threshold: "The minimum percentage share that can be bought in a staircasing transaction for %{shared_ownership_type} is %{threshold}%. Please change your answer or check that you have selected the correct shared ownership type."
 
         equity:
           equity_under_min: "The minimum initial equity stake for this type of shared ownership sale is %{min_equity}%."
@@ -77,7 +77,7 @@ en:
           equity_over_stairowned_minus_stairbought:
             joint_purchase: "The initial equity stake is %{equity}% and the percentage owned in total minus the percentage bought is %{staircase_difference}%. In a staircasing transaction, the equity stake purchased cannot be larger than the percentage the buyers own minus the percentage bought."
             not_joint_purchase: "The initial equity stake is %{equity}% and the percentage owned in total minus the percentage bought is %{staircase_difference}%. In a staircasing transaction, the equity stake purchased cannot be larger than the percentage the buyer owns minus the percentage bought."
-          percentage_bought_must_be_at_least_threshold: "The minimum increase in equity while staircasing is %{threshold}%."
+          percentage_bought_must_be_at_least_threshold: "The minimum percentage share that can be bought in a staircasing transaction for %{shared_ownership_type} is %{threshold}%. Please change your answer or check that you have selected the correct shared ownership type."
           percentage_bought_equal_percentage_owned: "The percentage bought is %{stairbought}% and the percentage owned in total is %{stairowned}%. These figures cannot be the same."
         
         uprn_selection:
diff --git a/spec/features/schemes_spec.rb b/spec/features/schemes_spec.rb
index 0706a0d7e..33ab00b34 100644
--- a/spec/features/schemes_spec.rb
+++ b/spec/features/schemes_spec.rb
@@ -644,8 +644,8 @@ RSpec.describe "Schemes scheme Features" do
           end
 
           it "allows changing details questions" do
-            click_link("Change", href: "/schemes/#{scheme.id}/details?check_answers=true", match: :first)
-            expect(page).to have_current_path("/schemes/#{scheme.id}/details?check_answers=true")
+            click_link("Change", href: "/schemes/#{scheme.id}/details?referrer=check-answers", match: :first)
+            expect(page).to have_current_path("/schemes/#{scheme.id}/details?referrer=check-answers")
 
             fill_in "Scheme name", with: "Example"
             click_button "Save changes"
@@ -655,14 +655,14 @@ RSpec.describe "Schemes scheme Features" do
           end
 
           it "lets me select the support answers after navigating back" do
-            click_link("Change", href: "/schemes/#{scheme.id}/details?check_answers=true", match: :first)
+            click_link("Change", href: "/schemes/#{scheme.id}/details?referrer=check-answers", match: :first)
             click_link "Back"
             expect(page).to have_current_path("/schemes/#{scheme.id}/check-answers")
             expect(page).to have_content "Check your changes before creating this scheme"
           end
 
           it "indicates if the scheme is not complete" do
-            click_link("Change", href: "/schemes/#{scheme.id}/confirm-secondary-client-group?check_answers=true", match: :first)
+            click_link("Change", href: "/schemes/#{scheme.id}/confirm-secondary-client-group?referrer=check-answers", match: :first)
             choose "Yes"
             click_button "Save changes"
             visit("/schemes/#{scheme.id}/check-answers")
@@ -710,8 +710,8 @@ RSpec.describe "Schemes scheme Features" do
             end
 
             it "allows changing details questions" do
-              click_link("Change", href: "/schemes/#{scheme.id}/details?check_answers=true", match: :first)
-              expect(page).to have_current_path("/schemes/#{scheme.id}/details?check_answers=true")
+              click_link("Change", href: "/schemes/#{scheme.id}/details?referrer=check-answers", match: :first)
+              expect(page).to have_current_path("/schemes/#{scheme.id}/details?referrer=check-answers")
 
               fill_in "Scheme name", with: "Example"
               click_button "Save changes"
@@ -721,21 +721,14 @@ RSpec.describe "Schemes scheme Features" do
             end
 
             it "lets me select the support answers after navigating back" do
-              click_link("Change", href: "/schemes/#{scheme.id}/details?check_answers=true", match: :first)
+              click_link("Change", href: "/schemes/#{scheme.id}/details?referrer=check-answers", match: :first)
               click_link "Back"
               expect(page).to have_current_path("/schemes/#{scheme.id}/check-answers")
               expect(page).to have_content "Check your changes before creating this scheme"
             end
 
-            it "keeps the provider answer when switching between other provider options" do
-              click_link("Change", href: "/schemes/#{scheme.id}/confirm-secondary-client-group?check_answers=true", match: :first)
-              choose "Yes"
-              click_button "Save changes"
-              expect(find_field("Offenders and people at risk of offending")).to be_checked
-            end
-
             it "does not display the answer if it's changed to the same support provider" do
-              click_link("Change", href: "/schemes/#{scheme.id}/details?check_answers=true", match: :first)
+              click_link("Change", href: "/schemes/#{scheme.id}/details?referrer=check-answers", match: :first)
               choose "The same organisation that owns the housing stock"
               click_button "Save changes"
               expect(page).not_to have_content("Organisation providing support")
@@ -787,11 +780,11 @@ RSpec.describe "Schemes scheme Features" do
 
           context "when I click to change scheme name" do
             before do
-              click_link("Change", href: "/schemes/#{scheme.id}/details?check_answers=true", match: :first)
+              click_link("Change", href: "/schemes/#{scheme.id}/details?referrer=check-answers", match: :first)
             end
 
             it "shows available fields to edit" do
-              expect(page).to have_current_path("/schemes/#{scheme.id}/details?check_answers=true")
+              expect(page).to have_current_path("/schemes/#{scheme.id}/details?referrer=check-answers")
               expect(page).to have_content "Scheme details"
             end
 
diff --git a/spec/models/form/sales/pages/buyer2_relationship_to_buyer1_yes_no_spec.rb b/spec/models/form/sales/pages/buyer2_relationship_to_buyer1_yes_no_spec.rb
new file mode 100644
index 000000000..67ecb9ae3
--- /dev/null
+++ b/spec/models/form/sales/pages/buyer2_relationship_to_buyer1_yes_no_spec.rb
@@ -0,0 +1,29 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Pages::Buyer2RelationshipToBuyer1YesNo, type: :model do
+  subject(:page) { described_class.new(page_id, page_definition, subsection) }
+
+  let(:page_id) { nil }
+  let(:page_definition) { nil }
+  let(:subsection) { instance_double(Form::Subsection, form: instance_double(Form, start_date: Time.zone.local(2025, 4, 1))) }
+
+  it "has correct subsection" do
+    expect(page.subsection).to eq(subsection)
+  end
+
+  it "has correct questions" do
+    expect(page.questions.map(&:id)).to eq(%w[relat2])
+  end
+
+  it "has the correct id" do
+    expect(page.id).to eq("buyer_2_relationship_to_buyer_1")
+  end
+
+  it "has the correct description" do
+    expect(page.description).to be_nil
+  end
+
+  it "has correct depends_on" do
+    expect(page.depends_on).to eq([{ "joint_purchase?" => true }])
+  end
+end
diff --git a/spec/models/form/sales/pages/person_relationship_to_buyer1_yes_no_spec.rb b/spec/models/form/sales/pages/person_relationship_to_buyer1_yes_no_spec.rb
new file mode 100644
index 000000000..a8215a0ba
--- /dev/null
+++ b/spec/models/form/sales/pages/person_relationship_to_buyer1_yes_no_spec.rb
@@ -0,0 +1,87 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Pages::PersonRelationshipToBuyer1YesNo, type: :model do
+  subject(:page) { described_class.new(page_id, page_definition, subsection, person_index:) }
+
+  let(:page_definition) { nil }
+  let(:subsection) { instance_double(Form::Subsection, form: instance_double(Form, start_date: Time.zone.local(2025, 4, 1))) }
+  let(:person_index) { 1 }
+
+  let(:page_id) { "person_1_relationship_to_buyer_1" }
+
+  it "has correct subsection" do
+    expect(page.subsection).to eq(subsection)
+  end
+
+  it "has the correct description" do
+    expect(page.description).to be_nil
+  end
+
+  context "with person 2" do
+    let(:person_index) { 2 }
+    let(:page_id) { "person_2_relationship_to_buyer_1" }
+
+    it "has correct questions" do
+      expect(page.questions.map(&:id)).to eq(%w[relat2])
+    end
+
+    it "has the correct id" do
+      expect(page.id).to eq("person_2_relationship_to_buyer_1")
+    end
+
+    it "has correct depends_on" do
+      expect(page.depends_on).to eq([{ "details_known_2" => 1 }])
+    end
+  end
+
+  context "with person 3" do
+    let(:person_index) { 3 }
+    let(:page_id) { "person_3_relationship_to_buyer_1" }
+
+    it "has correct questions" do
+      expect(page.questions.map(&:id)).to eq(%w[relat3])
+    end
+
+    it "has the correct id" do
+      expect(page.id).to eq("person_3_relationship_to_buyer_1")
+    end
+
+    it "has correct depends_on" do
+      expect(page.depends_on).to eq([{ "details_known_3" => 1 }])
+    end
+  end
+
+  context "with person 4" do
+    let(:person_index) { 4 }
+    let(:page_id) { "person_4_relationship_to_buyer_1" }
+
+    it "has correct questions" do
+      expect(page.questions.map(&:id)).to eq(%w[relat4])
+    end
+
+    it "has the correct id" do
+      expect(page.id).to eq("person_4_relationship_to_buyer_1")
+    end
+
+    it "has correct depends_on" do
+      expect(page.depends_on).to eq([{ "details_known_4" => 1 }])
+    end
+  end
+
+  context "with person 5" do
+    let(:person_index) { 5 }
+    let(:page_id) { "person_5_relationship_to_buyer_1" }
+
+    it "has correct questions" do
+      expect(page.questions.map(&:id)).to eq(%w[relat5])
+    end
+
+    it "has the correct id" do
+      expect(page.id).to eq("person_5_relationship_to_buyer_1")
+    end
+
+    it "has correct depends_on" do
+      expect(page.depends_on).to eq([{ "details_known_5" => 1 }])
+    end
+  end
+end
diff --git a/spec/models/form/sales/questions/buyer2_relationship_to_buyer1_yes_no_spec.rb b/spec/models/form/sales/questions/buyer2_relationship_to_buyer1_yes_no_spec.rb
new file mode 100644
index 000000000..5e94d7e7a
--- /dev/null
+++ b/spec/models/form/sales/questions/buyer2_relationship_to_buyer1_yes_no_spec.rb
@@ -0,0 +1,43 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Questions::Buyer2RelationshipToBuyer1YesNo, type: :model do
+  subject(:question) { described_class.new(question_id, question_definition, page) }
+
+  let(:question_id) { nil }
+  let(:question_definition) { nil }
+  let(:page) { instance_double(Form::Page, subsection: instance_double(Form::Subsection, form: instance_double(Form, start_date: Time.zone.local(2025, 4, 1)))) }
+
+  it "has correct page" do
+    expect(question.page).to eq(page)
+  end
+
+  it "has the correct id" do
+    expect(question.id).to eq("relat2")
+  end
+
+  it "has the correct type" do
+    expect(question.type).to eq("radio")
+  end
+
+  it "is not marked as derived" do
+    expect(question.derived?(nil)).to be false
+  end
+
+  it "has the correct answer_options" do
+    expect(question.answer_options).to eq({
+      "P" => { "value" => "Yes" },
+      "X" => { "value" => "No" },
+      "R" => { "value" => "Buyer prefers not to say" },
+    })
+  end
+
+  it "has the correct check_answers_card_number" do
+    expect(question.check_answers_card_number).to eq(2)
+  end
+
+  it "has the correct inferred_check_answers_value" do
+    expect(question.inferred_check_answers_value).to eq([
+      { "condition" => { "relat2" => "R" }, "value" => "Prefers not to say" },
+    ])
+  end
+end
diff --git a/spec/models/form/sales/questions/person_relationship_to_buyer1_yes_no_spec.rb b/spec/models/form/sales/questions/person_relationship_to_buyer1_yes_no_spec.rb
new file mode 100644
index 000000000..cdfedc41e
--- /dev/null
+++ b/spec/models/form/sales/questions/person_relationship_to_buyer1_yes_no_spec.rb
@@ -0,0 +1,110 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Questions::PersonRelationshipToBuyer1YesNo, type: :model do
+  subject(:question) { described_class.new(question_id, question_definition, page, person_index:) }
+
+  let(:question_id) { "relat2" }
+  let(:question_definition) { nil }
+  let(:page) { instance_double(Form::Page, subsection: instance_double(Form::Subsection, form: instance_double(Form, start_date: Time.zone.local(2025, 4, 1)))) }
+  let(:person_index) { 2 }
+
+  it "has correct page" do
+    expect(question.page).to eq(page)
+  end
+
+  it "has the correct type" do
+    expect(question.type).to eq("radio")
+  end
+
+  it "is not marked as derived" do
+    expect(question.derived?(nil)).to be false
+  end
+
+  it "has expected check answers card number" do
+    expect(question.check_answers_card_number).to eq(2)
+  end
+
+  it "has the correct answer_options" do
+    expect(question.answer_options).to eq({
+      "P" => { "value" => "Yes" },
+      "X" => { "value" => "No" },
+      "R" => { "value" => "Person prefers not to say" },
+    })
+  end
+
+  context "when person 2" do
+    let(:question_id) { "relat2" }
+    let(:person_index) { 2 }
+
+    it "has the correct id" do
+      expect(question.id).to eq("relat2")
+    end
+
+    it "has expected check answers card number" do
+      expect(question.check_answers_card_number).to eq(2)
+    end
+
+    it "has the correct inferred_check_answers_value" do
+      expect(question.inferred_check_answers_value).to eq([
+        { "condition" => { "relat2" => "R" }, "value" => "Prefers not to say" },
+      ])
+    end
+  end
+
+  context "when person 3" do
+    let(:question_id) { "relat3" }
+    let(:person_index) { 3 }
+
+    it "has the correct id" do
+      expect(question.id).to eq("relat3")
+    end
+
+    it "has expected check answers card number" do
+      expect(question.check_answers_card_number).to eq(3)
+    end
+
+    it "has the correct inferred_check_answers_value" do
+      expect(question.inferred_check_answers_value).to eq([
+        { "condition" => { "relat3" => "R" }, "value" => "Prefers not to say" },
+      ])
+    end
+  end
+
+  context "when person 4" do
+    let(:question_id) { "relat4" }
+    let(:person_index) { 4 }
+
+    it "has the correct id" do
+      expect(question.id).to eq("relat4")
+    end
+
+    it "has expected check answers card number" do
+      expect(question.check_answers_card_number).to eq(4)
+    end
+
+    it "has the correct inferred_check_answers_value" do
+      expect(question.inferred_check_answers_value).to eq([
+        { "condition" => { "relat4" => "R" }, "value" => "Prefers not to say" },
+      ])
+    end
+  end
+
+  context "when person 5" do
+    let(:question_id) { "relat5" }
+    let(:person_index) { 5 }
+
+    it "has the correct id" do
+      expect(question.id).to eq("relat5")
+    end
+
+    it "has expected check answers card number" do
+      expect(question.check_answers_card_number).to eq(5)
+    end
+
+    it "has the correct inferred_check_answers_value" do
+      expect(question.inferred_check_answers_value).to eq([
+        { "condition" => { "relat5" => "R" }, "value" => "Prefers not to say" },
+      ])
+    end
+  end
+end
diff --git a/spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb b/spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb
index bfd5313fb..a573103a3 100644
--- a/spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb
+++ b/spec/models/form/sales/subsections/discounted_ownership_scheme_spec.rb
@@ -5,7 +5,7 @@ RSpec.describe Form::Sales::Subsections::DiscountedOwnershipScheme, type: :model
 
   let(:subsection_id) { nil }
   let(:subsection_definition) { nil }
-  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1)) }
+  let(:form) { instance_double(Form, start_date: Time.zone.local(2024, 4, 1), start_year_2025_or_later?: false) }
   let(:section) { instance_double(Form::Sales::Sections::SaleInformation, form:) }
 
   it "has correct section" do
@@ -83,4 +83,46 @@ RSpec.describe Form::Sales::Subsections::DiscountedOwnershipScheme, type: :model
       expect(discounted_ownership_scheme.displayed_in_tasklist?(log)).to eq(false)
     end
   end
+
+  context "with form on or after 2025" do
+    let(:form) { instance_double(Form, start_date: Time.zone.local(2025, 4, 1), start_year_2025_or_later?: true) }
+
+    it "has correct pages" do
+      expect(discounted_ownership_scheme.pages.map(&:id)).to eq(
+        %w[
+          living_before_purchase_discounted_ownership_joint_purchase
+          living_before_purchase_discounted_ownership
+          purchase_price
+          discount
+          extra_borrowing_price_value_check
+          percentage_discount_value_check
+          grant
+          grant_value_check
+          purchase_price_discounted_ownership
+          discounted_sale_grant_value_check
+          about_price_discounted_ownership_value_check
+          discounted_ownership_deposit_and_mortgage_value_check_after_value_and_discount
+          mortgage_used_discounted_ownership
+          discounted_ownership_mortgage_used_mortgage_value_check
+          discounted_sale_mortgage_used_value_check
+          mortgage_amount_discounted_ownership
+          discounted_ownership_mortgage_amount_mortgage_value_check
+          discounted_sale_mortgage_value_check
+          extra_borrowing_mortgage_value_check
+          discounted_ownership_deposit_and_mortgage_value_check_after_mortgage
+          mortgage_length_discounted_ownership
+          extra_borrowing_discounted_ownership
+          extra_borrowing_value_check
+          deposit_discounted_ownership
+          extra_borrowing_deposit_value_check
+          discounted_ownership_deposit_joint_purchase_value_check
+          discounted_ownership_deposit_value_check
+          discounted_ownership_deposit_and_mortgage_value_check_after_deposit
+          discounted_sale_deposit_value_check
+          leasehold_charges_discounted_ownership
+          monthly_charges_discounted_ownership_value_check
+        ],
+      )
+    end
+  end
 end
diff --git a/spec/models/form/sales/subsections/household_characteristics_spec.rb b/spec/models/form/sales/subsections/household_characteristics_spec.rb
index 3eb5042d8..3cd856eb3 100644
--- a/spec/models/form/sales/subsections/household_characteristics_spec.rb
+++ b/spec/models/form/sales/subsections/household_characteristics_spec.rb
@@ -16,10 +16,19 @@ RSpec.describe Form::Sales::Subsections::HouseholdCharacteristics, type: :model
     expect(household_characteristics.section).to eq(section)
   end
 
+  it "has the correct id" do
+    expect(household_characteristics.id).to eq("household_characteristics")
+  end
+
+  it "has the correct label" do
+    expect(household_characteristics.label).to eq("Household characteristics")
+  end
+
   context "with 2022/23 form" do
     before do
       allow(form).to receive(:start_date).and_return(Time.zone.local(2022, 4, 1))
       allow(form).to receive(:start_year_2024_or_later?).and_return(false)
+      allow(form).to receive(:start_year_2025_or_later?).and_return(false)
     end
 
     it "has correct pages" do
@@ -121,6 +130,7 @@ RSpec.describe Form::Sales::Subsections::HouseholdCharacteristics, type: :model
     before do
       allow(form).to receive(:start_date).and_return(Time.zone.local(2023, 4, 1))
       allow(form).to receive(:start_year_2024_or_later?).and_return(false)
+      allow(form).to receive(:start_year_2025_or_later?).and_return(false)
     end
 
     it "has correct pages" do
@@ -229,6 +239,27 @@ RSpec.describe Form::Sales::Subsections::HouseholdCharacteristics, type: :model
     before do
       allow(form).to receive(:start_date).and_return(Time.zone.local(2024, 4, 1))
       allow(form).to receive(:start_year_2024_or_later?).and_return(true)
+      allow(form).to receive(:start_year_2025_or_later?).and_return(false)
+    end
+
+    it "has correct depends on" do
+      expect(household_characteristics.depends_on).to eq([{ "setup_completed?" => true, "company_buyer?" => false }])
+    end
+
+    context "when the sale is to a company buyer" do
+      let(:log) { FactoryBot.build(:sales_log, ownershipsch: 3, companybuy: 1) }
+
+      it "is not displayed in tasklist" do
+        expect(household_characteristics.displayed_in_tasklist?(log)).to eq(false)
+      end
+    end
+
+    context "when the sale is not to a company buyer" do
+      let(:log) { FactoryBot.build(:sales_log, ownershipsch: 3, companybuy: 2) }
+
+      it "is displayed in tasklist" do
+        expect(household_characteristics.displayed_in_tasklist?(log)).to eq(true)
+      end
     end
 
     it "has correct pages" do
@@ -358,31 +389,141 @@ RSpec.describe Form::Sales::Subsections::HouseholdCharacteristics, type: :model
     end
   end
 
-  it "has the correct id" do
-    expect(household_characteristics.id).to eq("household_characteristics")
-  end
-
-  it "has the correct label" do
-    expect(household_characteristics.label).to eq("Household characteristics")
-  end
-
-  it "has correct depends on" do
-    expect(household_characteristics.depends_on).to eq([{ "setup_completed?" => true, "company_buyer?" => false }])
-  end
-
-  context "when the sale is to a company buyer" do
-    let(:log) { FactoryBot.build(:sales_log, ownershipsch: 3, companybuy: 1) }
-
-    it "is not displayed in tasklist" do
-      expect(household_characteristics.displayed_in_tasklist?(log)).to eq(false)
+  context "with 2025/26 form" do
+    before do
+      allow(form).to receive(:start_date).and_return(Time.zone.local(2025, 4, 1))
+      allow(form).to receive(:start_year_2024_or_later?).and_return(true)
+      allow(form).to receive(:start_year_2025_or_later?).and_return(true)
     end
-  end
 
-  context "when the sale is not to a company buyer" do
-    let(:log) { FactoryBot.build(:sales_log, ownershipsch: 3, companybuy: 2) }
+    it "has correct depends on" do
+      expect(household_characteristics.depends_on).to eq([{ "setup_completed?" => true }])
+    end
 
-    it "is displayed in tasklist" do
-      expect(household_characteristics.displayed_in_tasklist?(log)).to eq(true)
+    it "has correct pages" do
+      expect(household_characteristics.pages.map(&:id)).to eq(
+        %w[
+          buyer_1_age
+          age_1_retirement_value_check
+          age_1_not_retired_value_check
+          age_1_old_persons_shared_ownership_joint_purchase_value_check
+          age_1_old_persons_shared_ownership_value_check
+          buyer_1_gender_identity
+          buyer_1_ethnic_group
+          buyer_1_ethnic_background_black
+          buyer_1_ethnic_background_asian
+          buyer_1_ethnic_background_arab
+          buyer_1_ethnic_background_mixed
+          buyer_1_ethnic_background_white
+          buyer_1_nationality
+          buyer_1_working_situation
+          working_situation_1_retirement_value_check
+          working_situation_1_not_retired_value_check
+          working_situation_buyer_1_income_min_value_check
+          buyer_1_live_in_property
+          buyer_1_live_in_property_value_check
+          buyer_2_relationship_to_buyer_1
+          buyer_2_relationship_student_not_child_value_check
+          buyer_2_age
+          age_2_old_persons_shared_ownership_joint_purchase_value_check
+          age_2_old_persons_shared_ownership_value_check
+          age_2_buyer_retirement_value_check
+          age_2_buyer_not_retired_value_check
+          buyer_2_age_student_not_child_value_check
+          buyer_2_gender_identity
+          buyer_2_ethnic_group
+          buyer_2_ethnic_background_black
+          buyer_2_ethnic_background_asian
+          buyer_2_ethnic_background_arab
+          buyer_2_ethnic_background_mixed
+          buyer_2_ethnic_background_white
+          buyer_2_nationality
+          buyer_2_working_situation
+          working_situation_2_retirement_value_check_joint_purchase
+          working_situation_2_not_retired_value_check_joint_purchase
+          working_situation_buyer_2_income_min_value_check
+          buyer_2_working_situation_student_not_child_value_check
+          buyer_2_live_in_property
+          buyer_2_live_in_property_value_check
+          number_of_others_in_property
+          number_of_others_in_property_joint_purchase
+          person_2_known
+          person_2_relationship_to_buyer_1
+          relationship_2_partner_under_16_value_check
+          relationship_2_multiple_partners_value_check
+          relationship_2_student_not_child_value_check
+          person_2_age
+          age_2_retirement_value_check
+          age_2_not_retired_value_check
+          age_2_student_not_child_value_check
+          age_2_partner_under_16_value_check
+          person_2_gender_identity
+          person_2_working_situation
+          working_situation_2_retirement_value_check
+          working_situation_2_not_retired_value_check
+          working_situation_2_student_not_child_value_check
+          person_3_known
+          person_3_relationship_to_buyer_1
+          relationship_3_partner_under_16_value_check
+          relationship_3_multiple_partners_value_check
+          relationship_3_student_not_child_value_check
+          person_3_age
+          age_3_retirement_value_check
+          age_3_not_retired_value_check
+          age_3_student_not_child_value_check
+          age_3_partner_under_16_value_check
+          person_3_gender_identity
+          person_3_working_situation
+          working_situation_3_retirement_value_check
+          working_situation_3_not_retired_value_check
+          working_situation_3_student_not_child_value_check
+          person_4_known
+          person_4_relationship_to_buyer_1
+          relationship_4_partner_under_16_value_check
+          relationship_4_multiple_partners_value_check
+          relationship_4_student_not_child_value_check
+          person_4_age
+          age_4_retirement_value_check
+          age_4_not_retired_value_check
+          age_4_student_not_child_value_check
+          age_4_partner_under_16_value_check
+          person_4_gender_identity
+          person_4_working_situation
+          working_situation_4_retirement_value_check
+          working_situation_4_not_retired_value_check
+          working_situation_4_student_not_child_value_check
+          person_5_known
+          person_5_relationship_to_buyer_1
+          relationship_5_partner_under_16_value_check
+          relationship_5_multiple_partners_value_check
+          relationship_5_student_not_child_value_check
+          person_5_age
+          age_5_retirement_value_check
+          age_5_not_retired_value_check
+          age_5_student_not_child_value_check
+          age_5_partner_under_16_value_check
+          person_5_gender_identity
+          person_5_working_situation
+          working_situation_5_retirement_value_check
+          working_situation_5_not_retired_value_check
+          working_situation_5_student_not_child_value_check
+          person_6_known
+          person_6_relationship_to_buyer_1
+          relationship_6_partner_under_16_value_check
+          relationship_6_multiple_partners_value_check
+          relationship_6_student_not_child_value_check
+          person_6_age
+          age_6_retirement_value_check
+          age_6_not_retired_value_check
+          age_6_student_not_child_value_check
+          age_6_partner_under_16_value_check
+          person_6_gender_identity
+          person_6_working_situation
+          working_situation_6_retirement_value_check
+          working_situation_6_not_retired_value_check
+          working_situation_6_student_not_child_value_check
+        ],
+      )
     end
   end
 end
diff --git a/spec/models/validations/sales/financial_validations_spec.rb b/spec/models/validations/sales/financial_validations_spec.rb
index f579ae27e..f49179063 100644
--- a/spec/models/validations/sales/financial_validations_spec.rb
+++ b/spec/models/validations/sales/financial_validations_spec.rb
@@ -275,18 +275,20 @@ RSpec.describe Validations::Sales::FinancialValidations do
       record.stairbought = 9
       [2, 16, 18, 24].each do |type|
         record.type = type
+        shared_ownership_type = record.form.get_question("type", record).label_from_value(record.type).downcase
         financial_validator.validate_percentage_bought_at_least_threshold(record)
-        expect(record.errors["stairbought"]).to eq([I18n.t("validations.sales.financial.stairbought.percentage_bought_must_be_at_least_threshold", threshold: 10)])
-        expect(record.errors["type"]).to eq([I18n.t("validations.sales.financial.type.percentage_bought_must_be_at_least_threshold", threshold: 10)])
+        expect(record.errors["stairbought"]).to eq([I18n.t("validations.sales.financial.stairbought.percentage_bought_must_be_at_least_threshold", threshold: 10, shared_ownership_type:)])
+        expect(record.errors["type"]).to eq([I18n.t("validations.sales.financial.type.percentage_bought_must_be_at_least_threshold", threshold: 10, shared_ownership_type:)])
         record.errors.clear
       end
 
       record.stairbought = 0
       [28, 30, 31, 32].each do |type|
         record.type = type
+        shared_ownership_type = record.form.get_question("type", record).label_from_value(record.type).downcase
         financial_validator.validate_percentage_bought_at_least_threshold(record)
-        expect(record.errors["stairbought"]).to eq([I18n.t("validations.sales.financial.stairbought.percentage_bought_must_be_at_least_threshold", threshold: 1)])
-        expect(record.errors["type"]).to eq([I18n.t("validations.sales.financial.type.percentage_bought_must_be_at_least_threshold", threshold: 1)])
+        expect(record.errors["stairbought"]).to eq([I18n.t("validations.sales.financial.stairbought.percentage_bought_must_be_at_least_threshold", threshold: 1, shared_ownership_type:)])
+        expect(record.errors["type"]).to eq([I18n.t("validations.sales.financial.type.percentage_bought_must_be_at_least_threshold", threshold: 1, shared_ownership_type:)])
         record.errors.clear
       end
     end
diff --git a/spec/requests/schemes_controller_spec.rb b/spec/requests/schemes_controller_spec.rb
index d93bc873d..19ede5cc4 100644
--- a/spec/requests/schemes_controller_spec.rb
+++ b/spec/requests/schemes_controller_spec.rb
@@ -1405,10 +1405,11 @@ RSpec.describe SchemesController, type: :request do
           expect(scheme_to_update.reload.has_other_client_group).to eq("Yes")
         end
 
-        context "when updating from check answers page with the answer YES" do
+        context "when updating from check answers page with the answer YES and no secondary client group set" do
+          let(:scheme_to_update) { create(:scheme, owning_organisation: user.organisation, confirmed: nil, secondary_client_group: nil) }
           let(:params) { { scheme: { has_other_client_group: "Yes", page: "confirm-secondary", check_answers: "true" } } }
 
-          it "renders check answers page after successful update" do
+          it "renders secondary client group page after successful update" do
             follow_redirect!
             expect(response).to have_http_status(:ok)
             expect(page).to have_content("What is the other client group?")
@@ -1420,6 +1421,22 @@ RSpec.describe SchemesController, type: :request do
           end
         end
 
+        context "when updating from check answers page with the answer YES and a secondary client group set" do
+          let(:scheme_to_update) { create(:scheme, owning_organisation: user.organisation, confirmed: nil, secondary_client_group: "F") }
+          let(:params) { { scheme: { has_other_client_group: "Yes", page: "confirm-secondary", check_answers: "true" } } }
+
+          it "renders check answers page after successful update" do
+            follow_redirect!
+            expect(response).to have_http_status(:ok)
+            expect(page).to have_content("Check your changes before creating this scheme")
+          end
+
+          it "updates a scheme with valid params" do
+            follow_redirect!
+            expect(scheme_to_update.reload.has_other_client_group).to eq("Yes")
+          end
+        end
+
         context "when updating from check answers page with the answer NO" do
           let(:params) { { scheme: { has_other_client_group: "No", page: "confirm-secondary", check_answers: "true" } } }
 
@@ -1716,10 +1733,11 @@ RSpec.describe SchemesController, type: :request do
           expect(scheme_to_update.reload.has_other_client_group).to eq("Yes")
         end
 
-        context "when updating from check answers page with the answer YES" do
+        context "when updating from check answers page with the answer YES and no existing secondary client group set" do
+          let(:scheme_to_update) { create(:scheme, owning_organisation: user.organisation, confirmed: nil, secondary_client_group: nil) }
           let(:params) { { scheme: { has_other_client_group: "Yes", page: "confirm-secondary", check_answers: "true" } } }
 
-          it "renders check answers page after successful update" do
+          it "renders secondary client group page after successful update" do
             follow_redirect!
             expect(response).to have_http_status(:ok)
             expect(page).to have_content("What is the other client group?")
@@ -1731,6 +1749,22 @@ RSpec.describe SchemesController, type: :request do
           end
         end
 
+        context "when updating from check answers page with the answer YES and an existing secondary client group set" do
+          let(:scheme_to_update) { create(:scheme, owning_organisation: user.organisation, confirmed: nil, secondary_client_group: "F") }
+          let(:params) { { scheme: { has_other_client_group: "Yes", page: "confirm-secondary", check_answers: "true" } } }
+
+          it "renders check answers page after successful update" do
+            follow_redirect!
+            expect(response).to have_http_status(:ok)
+            expect(page).to have_content("Check your changes before creating this scheme")
+          end
+
+          it "updates a scheme with valid params" do
+            follow_redirect!
+            expect(scheme_to_update.reload.has_other_client_group).to eq("Yes")
+          end
+        end
+
         context "when updating from check answers page with the answer NO" do
           let(:params) { { scheme: { has_other_client_group: "No", page: "confirm-secondary", check_answers: "true" } } }
 
diff --git a/yarn.lock b/yarn.lock
index 65de3d8d2..3e9afa0d8 100644
--- a/yarn.lock
+++ b/yarn.lock
@@ -2244,9 +2244,9 @@ cosmiconfig@^9.0.0:
     parse-json "^5.2.0"
 
 cross-spawn@^7.0.2, cross-spawn@^7.0.3:
-  version "7.0.3"
-  resolved "https://registry.yarnpkg.com/cross-spawn/-/cross-spawn-7.0.3.tgz#f73a85b9d5d41d045551c177e2882d4ac85728a6"
-  integrity sha512-iRDPJKUPVEND7dHPO8rkbOnPpyDygcDFtWjpeWNCgy8WP2rXcxXL8TskReQl6OrB2G7+UJrags1q15Fudc7G6w==
+  version "7.0.6"
+  resolved "https://registry.yarnpkg.com/cross-spawn/-/cross-spawn-7.0.6.tgz#8a58fe78f00dcd70c370451759dfbfaf03e8ee9f"
+  integrity sha512-uV2QOWP2nWzsy2aMp8aRibhi9dlzF5Hgh5SHaB9OiTGEyDTiJJyx0uy51QXdyWbtAHNua4XJzUKca3OzKUd3vA==
   dependencies:
     path-key "^3.1.0"
     shebang-command "^2.0.0"