diff --git a/app/models/validations/sales/soft_validations.rb b/app/models/validations/sales/soft_validations.rb
index b821bc480..d8d957988 100644
--- a/app/models/validations/sales/soft_validations.rb
+++ b/app/models/validations/sales/soft_validations.rb
@@ -60,7 +60,7 @@ module Validations::Sales::SoftValidations
   end
 
   def deposit_over_soft_max?
-    return unless savings && deposit
+    return unless savings && deposit && mortgage_used?
 
     deposit > savings * 4 / 3
   end
diff --git a/spec/models/validations/sales/soft_validations_spec.rb b/spec/models/validations/sales/soft_validations_spec.rb
index f63f6fbcc..4d0c1024a 100644
--- a/spec/models/validations/sales/soft_validations_spec.rb
+++ b/spec/models/validations/sales/soft_validations_spec.rb
@@ -359,6 +359,7 @@ RSpec.describe Validations::Sales::SoftValidations do
   describe "deposit amount validations" do
     context "when validating soft max" do
       it "returns false if no savings is given" do
+        record.mortgageused = 1
         record.savings = nil
         record.deposit = 8_001
         expect(record)
@@ -366,6 +367,7 @@ RSpec.describe Validations::Sales::SoftValidations do
       end
 
       it "returns false if no deposit is given" do
+        record.mortgageused = 1
         record.deposit = nil
         record.savings = 6_000
         expect(record)
@@ -373,6 +375,7 @@ RSpec.describe Validations::Sales::SoftValidations do
       end
 
       it "returns true if deposit is more than 4/3 of savings" do
+        record.mortgageused = 1
         record.deposit = 8_001
         record.savings = 6_000
         expect(record)
@@ -380,6 +383,15 @@ RSpec.describe Validations::Sales::SoftValidations do
       end
 
       it "returns false if deposit is less than 4/3 of savings" do
+        record.mortgageused = 1
+        record.deposit = 7_999
+        record.savings = 6_000
+        expect(record)
+          .not_to be_deposit_over_soft_max
+      end
+
+      it "returns false if mortgage is not used" do
+        record.mortgageused = 2
         record.deposit = 7_999
         record.savings = 6_000
         expect(record)