diff --git a/app/models/validations/sales/financial_validations.rb b/app/models/validations/sales/financial_validations.rb
index 9e30d49f3..77bd60102 100644
--- a/app/models/validations/sales/financial_validations.rb
+++ b/app/models/validations/sales/financial_validations.rb
@@ -6,10 +6,10 @@ module Validations::Sales::FinancialValidations
     return unless record.income1 && record.la && record.shared_ownership_scheme?
 
     relevant_fields = %i[income1 ownershipsch uprn la postcode_full]
-    if record.london_property? && record.income1 > 90_000
-      relevant_fields.each { |field| record.errors.add field, :over_hard_max_for_london, message: I18n.t("validations.financial.income.over_hard_max_for_london") }
-    elsif record.property_not_in_london? && record.income1 > 80_000
-      relevant_fields.each { |field| record.errors.add field, :over_hard_max_for_outside_london, message: I18n.t("validations.financial.income.over_hard_max_for_outside_london") }
+    if record.london_property? && !record.income1.between?(0, 90_000)
+      relevant_fields.each { |field| record.errors.add field, :outside_london_income_range, message: I18n.t("validations.financial.income.outside_london_income_range") }
+    elsif record.property_not_in_london? && !record.income1.between?(0, 80_000)
+      relevant_fields.each { |field| record.errors.add field, :outside_non_london_income_range, message: I18n.t("validations.financial.income.outside_non_london_income_range") }
     end
   end
 
@@ -17,10 +17,10 @@ module Validations::Sales::FinancialValidations
     return unless record.income2 && record.la && record.shared_ownership_scheme?
 
     relevant_fields = %i[income2 ownershipsch uprn la postcode_full]
-    if record.london_property? && record.income2 > 90_000
-      relevant_fields.each { |field| record.errors.add field, :over_hard_max_for_london, message: I18n.t("validations.financial.income.over_hard_max_for_london") }
-    elsif record.property_not_in_london? && record.income2 > 80_000
-      relevant_fields.each { |field| record.errors.add field, :over_hard_max_for_outside_london, message: I18n.t("validations.financial.income.over_hard_max_for_outside_london") }
+    if record.london_property? && !record.income2.between?(0, 90_000)
+      relevant_fields.each { |field| record.errors.add field, :outside_london_income_range, message: I18n.t("validations.financial.income.outside_london_income_range") }
+    elsif record.property_not_in_london? && !record.income2.between?(0, 80_000)
+      relevant_fields.each { |field| record.errors.add field, :outside_non_london_income_range, message: I18n.t("validations.financial.income.outside_non_london_income_range") }
     end
   end
 
diff --git a/config/locales/en.yml b/config/locales/en.yml
index 0ed12c806..70c0ac398 100644
--- a/config/locales/en.yml
+++ b/config/locales/en.yml
@@ -368,8 +368,8 @@ en:
         freq_missing: "Select how often the household receives income"
         earnings_missing: "Enter how much income the household has in total"
       income:
-        over_hard_max_for_london: "Income must be £90,000 or lower for properties within a London local authority"
-        over_hard_max_for_outside_london: "Income must be £80,000 or lower for properties outside London local authority"
+        outside_london_income_range: "Income must be between £0 and £90,000 for properties within a London local authority"
+        outside_non_london_income_range: "Income must be between £0 and £80,000 for properties in a non-London local authority"
         combined_over_hard_max_for_london: "Combined income must be £90,000 or lower for properties within a London local authority"
         combined_over_hard_max_for_outside_london: "Combined income must be £80,000 or lower for properties outside London local authorities"
         child_has_income: "Child's income must be £0"
@@ -627,7 +627,7 @@ en:
       value:
         over_discounted_london_max: "The percentage discount multiplied by the purchase price is %{discount_value}. This figure should not be more than £136,400 for properties in London."
         over_discounted_max: "The percentage discount multiplied by the purchase price is %{discount_value}. This figure should not be more than £102,400 for properties outside of London."
-      non_staircasing_mortgage: 
+      non_staircasing_mortgage:
         mortgage_used: "The mortgage and deposit added together is %{mortgage_and_deposit_total} and the purchase price times by the equity is %{expected_shared_ownership_deposit_value}. These figures should be the same."
         mortgage_not_used: "The deposit is %{deposit} and the purchase price times by the equity is %{expected_shared_ownership_deposit_value}. As no mortgage was used, these figures should be the same."
       staircasing_mortgage:
diff --git a/spec/models/validations/sales/financial_validations_spec.rb b/spec/models/validations/sales/financial_validations_spec.rb
index 8a57df6b6..470148478 100644
--- a/spec/models/validations/sales/financial_validations_spec.rb
+++ b/spec/models/validations/sales/financial_validations_spec.rb
@@ -17,33 +17,51 @@ RSpec.describe Validations::Sales::FinancialValidations do
       it "adds errors if buyer 1 has income over 80,000" do
         record.income1 = 85_000
         financial_validator.validate_income1(record)
-        expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london"))
-        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london"))
-        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london"))
-        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london"))
+        expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
       end
 
       it "adds errors if buyer 2 has income over 80,000" do
         record.income2 = 85_000
         financial_validator.validate_income2(record)
-        expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london"))
-        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london"))
-        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london"))
-        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_outside_london"))
+        expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
       end
 
-      it "does not add errors if buyer 1 has income below 80_000" do
+      it "does not add errors if buyer 1 has income above 0 and below 80_000" do
         record.income1 = 75_000
         financial_validator.validate_income1(record)
         expect(record.errors).to be_empty
       end
 
-      it "does not add errors if buyer 2 has income below 80_000" do
+      it "does not add errors if buyer 2 has income above 0 and below 80_000" do
         record.income2 = 75_000
         financial_validator.validate_income2(record)
         expect(record.errors).to be_empty
       end
 
+      it "adds errors if buyer 1 has income below 0" do
+        record.income1 = -500
+        financial_validator.validate_income1(record)
+        expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+      end
+
+      it "adds errors if buyer 2 has income below 0" do
+        record.income2 = -5
+        financial_validator.validate_income2(record)
+        expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.outside_non_london_income_range"))
+      end
+
       it "adds errors when combined income is over 80_000" do
         record.income1 = 45_000
         record.income2 = 40_000
@@ -69,33 +87,51 @@ RSpec.describe Validations::Sales::FinancialValidations do
       it "adds errors if buyer 1 has income over 90,000" do
         record.income1 = 95_000
         financial_validator.validate_income1(record)
-        expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london"))
-        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london"))
-        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london"))
-        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london"))
+        expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
       end
 
       it "adds errors if buyer 2 has income over 90,000" do
         record.income2 = 95_000
         financial_validator.validate_income2(record)
-        expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london"))
-        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london"))
-        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london"))
-        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.over_hard_max_for_london"))
+        expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
       end
 
-      it "does not add errors if buyer 1 has income below 90_000" do
+      it "does not add errors if buyer 1 has income above 0 and below 90_000" do
         record.income1 = 75_000
         financial_validator.validate_income1(record)
         expect(record.errors).to be_empty
       end
 
-      it "does not add errors if buyer 2 has income below 90_000" do
+      it "does not add errors if buyer 2 has income above 0 and below 90_000" do
         record.income2 = 75_000
         financial_validator.validate_income2(record)
         expect(record.errors).to be_empty
       end
 
+      it "adds errors if buyer 1 has income below 0" do
+        record.income1 = -500
+        financial_validator.validate_income1(record)
+        expect(record.errors["income1"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+      end
+
+      it "adds errors if buyer 2 has income below 0" do
+        record.income2 = -2
+        financial_validator.validate_income2(record)
+        expect(record.errors["income2"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["ownershipsch"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["la"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+        expect(record.errors["postcode_full"]).to include(match I18n.t("validations.financial.income.outside_london_income_range"))
+      end
+
       it "adds errors when combined income is over 90_000" do
         record.income1 = 55_000
         record.income2 = 40_000