diff --git a/app/models/form/sales/questions/mortgage_lender.rb b/app/models/form/sales/questions/mortgage_lender.rb
index e2f57306e..ee78ca639 100644
--- a/app/models/form/sales/questions/mortgage_lender.rb
+++ b/app/models/form/sales/questions/mortgage_lender.rb
@@ -7,7 +7,6 @@ class Form::Sales::Questions::MortgageLender < ::Form::Question
     @type = "select"
     @hint_text = ""
     @page = page
-    @answer_options = ANSWER_OPTIONS
     @bottom_guidance_partial = "mortgage_lender"
     @ownershipsch = ownershipsch
     @question_number = question_number
@@ -54,54 +53,24 @@ class Form::Sales::Questions::MortgageLender < ::Form::Question
     "37" =>	"Virgin Money",
     "38" =>	"West Bromwich Building Society",
     "39" =>	"Yorkshire Building Society",
+    "41" => "Kent Reliance",
     "40" =>	"Other",
     "0" =>	"Don’t know",
   }.freeze
 
+  OPTIONS_INTRODUCED_2024 = %w[41].freeze
+  OPTIONS_NOT_DISPLAYED = %w[0].freeze
+
+  def answer_options
+    if form.start_year_after_2024?
+      ANSWER_OPTIONS
+    else
+      ANSWER_OPTIONS.dup.reject { |k, _v| OPTIONS_INTRODUCED_2024.include?(k) }
+    end
+  end
+
   def displayed_answer_options(_log, _user = nil)
-    {
-      "" => "Select an option",
-      "1" =>	"Atom Bank",
-      "2" =>	"Barclays Bank PLC",
-      "3" =>	"Bath Building Society",
-      "4" =>	"Buckinghamshire Building Society",
-      "5" =>	"Cambridge Building Society",
-      "6" =>	"Coventry Building Society",
-      "7" =>	"Cumberland Building Society",
-      "8" =>	"Darlington Building Society",
-      "9" =>	"Dudley Building Society",
-      "10" =>	"Ecology Building Society",
-      "11" =>	"Halifax",
-      "12" =>	"Hanley Economic Building Society",
-      "13" =>	"Hinckley and Rugby Building Society",
-      "14" =>	"Holmesdale Building Society",
-      "15" =>	"Ipswich Building Society",
-      "16" =>	"Leeds Building Society",
-      "17" =>	"Lloyds Bank",
-      "18" =>	"Mansfield Building Society",
-      "19" =>	"Market Harborough Building Society",
-      "20" =>	"Melton Mowbray Building Society",
-      "21" =>	"Nationwide Building Society",
-      "22" =>	"Natwest",
-      "23" =>	"Nedbank Private Wealth",
-      "24" =>	"Newbury Building Society",
-      "25" =>	"OneSavings Bank",
-      "26" =>	"Parity Trust",
-      "27" =>	"Penrith Building Society",
-      "28" =>	"Pepper Homeloans",
-      "29" =>	"Royal Bank of Scotland",
-      "30" =>	"Santander",
-      "31" =>	"Skipton Building Society",
-      "32" =>	"Teachers Building Society",
-      "33" =>	"The Co-operative Bank",
-      "34" =>	"Tipton & Coseley Building Society",
-      "35" =>	"TSB",
-      "36" =>	"Ulster Bank",
-      "37" =>	"Virgin Money",
-      "38" =>	"West Bromwich Building Society",
-      "39" =>	"Yorkshire Building Society",
-      "40" =>	"Other",
-    }
+    answer_options.reject { |k, _v| OPTIONS_NOT_DISPLAYED.include?(k) }
   end
 
   def question_number
diff --git a/spec/models/form/sales/questions/mortgage_lender_spec.rb b/spec/models/form/sales/questions/mortgage_lender_spec.rb
index 1fcf928a3..e50dafb2b 100644
--- a/spec/models/form/sales/questions/mortgage_lender_spec.rb
+++ b/spec/models/form/sales/questions/mortgage_lender_spec.rb
@@ -6,6 +6,14 @@ RSpec.describe Form::Sales::Questions::MortgageLender, type: :model do
   let(:question_id) { nil }
   let(:question_definition) { nil }
   let(:page) { instance_double(Form::Page) }
+  let(:subsection) { instance_double(Form::Subsection) }
+  let(:form) { instance_double(Form) }
+
+  before do
+    allow(form).to receive(:start_year_after_2024?)
+    allow(page).to receive(:subsection).and_return(subsection)
+    allow(subsection).to receive(:form).and_return(form)
+  end
 
   it "has correct page" do
     expect(question.page).to eq(page)
@@ -44,96 +52,203 @@ RSpec.describe Form::Sales::Questions::MortgageLender, type: :model do
     expect(question.top_guidance_partial).to be_nil
   end
 
-  it "has the correct answer_options" do
-    expect(question.answer_options).to eq({
-      "" => "Select an option",
-      "0" => "Don’t know",
-      "1" =>	"Atom Bank",
-      "2" =>	"Barclays Bank PLC",
-      "3" =>	"Bath Building Society",
-      "4" =>	"Buckinghamshire Building Society",
-      "5" =>	"Cambridge Building Society",
-      "6" =>	"Coventry Building Society",
-      "7" =>	"Cumberland Building Society",
-      "8" =>	"Darlington Building Society",
-      "9" =>	"Dudley Building Society",
-      "10" =>	"Ecology Building Society",
-      "11" =>	"Halifax",
-      "12" =>	"Hanley Economic Building Society",
-      "13" =>	"Hinckley and Rugby Building Society",
-      "14" =>	"Holmesdale Building Society",
-      "15" =>	"Ipswich Building Society",
-      "16" =>	"Leeds Building Society",
-      "17" =>	"Lloyds Bank",
-      "18" =>	"Mansfield Building Society",
-      "19" =>	"Market Harborough Building Society",
-      "20" =>	"Melton Mowbray Building Society",
-      "21" =>	"Nationwide Building Society",
-      "22" =>	"Natwest",
-      "23" =>	"Nedbank Private Wealth",
-      "24" =>	"Newbury Building Society",
-      "25" =>	"OneSavings Bank",
-      "26" =>	"Parity Trust",
-      "27" =>	"Penrith Building Society",
-      "28" =>	"Pepper Homeloans",
-      "29" =>	"Royal Bank of Scotland",
-      "30" =>	"Santander",
-      "31" =>	"Skipton Building Society",
-      "32" =>	"Teachers Building Society",
-      "33" =>	"The Co-operative Bank",
-      "34" =>	"Tipton & Coseley Building Society",
-      "35" =>	"TSB",
-      "36" =>	"Ulster Bank",
-      "37" =>	"Virgin Money",
-      "38" =>	"West Bromwich Building Society",
-      "39" =>	"Yorkshire Building Society",
-      "40" =>	"Other",
-    })
+  context "when form year is before 2024" do
+    before do
+      allow(form).to receive(:start_year_after_2024?).and_return(false)
+    end
+
+    it "has the correct answer_options" do
+      expect(question.answer_options).to eq({
+        "" => "Select an option",
+        "0" => "Don’t know",
+        "1" =>	"Atom Bank",
+        "2" =>	"Barclays Bank PLC",
+        "3" =>	"Bath Building Society",
+        "4" =>	"Buckinghamshire Building Society",
+        "5" =>	"Cambridge Building Society",
+        "6" =>	"Coventry Building Society",
+        "7" =>	"Cumberland Building Society",
+        "8" =>	"Darlington Building Society",
+        "9" =>	"Dudley Building Society",
+        "10" =>	"Ecology Building Society",
+        "11" =>	"Halifax",
+        "12" =>	"Hanley Economic Building Society",
+        "13" =>	"Hinckley and Rugby Building Society",
+        "14" =>	"Holmesdale Building Society",
+        "15" =>	"Ipswich Building Society",
+        "16" =>	"Leeds Building Society",
+        "17" =>	"Lloyds Bank",
+        "18" =>	"Mansfield Building Society",
+        "19" =>	"Market Harborough Building Society",
+        "20" =>	"Melton Mowbray Building Society",
+        "21" =>	"Nationwide Building Society",
+        "22" =>	"Natwest",
+        "23" =>	"Nedbank Private Wealth",
+        "24" =>	"Newbury Building Society",
+        "25" =>	"OneSavings Bank",
+        "26" =>	"Parity Trust",
+        "27" =>	"Penrith Building Society",
+        "28" =>	"Pepper Homeloans",
+        "29" =>	"Royal Bank of Scotland",
+        "30" =>	"Santander",
+        "31" =>	"Skipton Building Society",
+        "32" =>	"Teachers Building Society",
+        "33" =>	"The Co-operative Bank",
+        "34" =>	"Tipton & Coseley Building Society",
+        "35" =>	"TSB",
+        "36" =>	"Ulster Bank",
+        "37" =>	"Virgin Money",
+        "38" =>	"West Bromwich Building Society",
+        "39" =>	"Yorkshire Building Society",
+        "40" =>	"Other",
+      })
+    end
+
+    it "has the correct displayed_answer_options" do
+      expect(question.displayed_answer_options(nil, nil)).to eq({
+        "" => "Select an option",
+        "1" =>	"Atom Bank",
+        "2" =>	"Barclays Bank PLC",
+        "3" =>	"Bath Building Society",
+        "4" =>	"Buckinghamshire Building Society",
+        "5" =>	"Cambridge Building Society",
+        "6" =>	"Coventry Building Society",
+        "7" =>	"Cumberland Building Society",
+        "8" =>	"Darlington Building Society",
+        "9" =>	"Dudley Building Society",
+        "10" =>	"Ecology Building Society",
+        "11" =>	"Halifax",
+        "12" =>	"Hanley Economic Building Society",
+        "13" =>	"Hinckley and Rugby Building Society",
+        "14" =>	"Holmesdale Building Society",
+        "15" =>	"Ipswich Building Society",
+        "16" =>	"Leeds Building Society",
+        "17" =>	"Lloyds Bank",
+        "18" =>	"Mansfield Building Society",
+        "19" =>	"Market Harborough Building Society",
+        "20" =>	"Melton Mowbray Building Society",
+        "21" =>	"Nationwide Building Society",
+        "22" =>	"Natwest",
+        "23" =>	"Nedbank Private Wealth",
+        "24" =>	"Newbury Building Society",
+        "25" =>	"OneSavings Bank",
+        "26" =>	"Parity Trust",
+        "27" =>	"Penrith Building Society",
+        "28" =>	"Pepper Homeloans",
+        "29" =>	"Royal Bank of Scotland",
+        "30" =>	"Santander",
+        "31" =>	"Skipton Building Society",
+        "32" =>	"Teachers Building Society",
+        "33" =>	"The Co-operative Bank",
+        "34" =>	"Tipton & Coseley Building Society",
+        "35" =>	"TSB",
+        "36" =>	"Ulster Bank",
+        "37" =>	"Virgin Money",
+        "38" =>	"West Bromwich Building Society",
+        "39" =>	"Yorkshire Building Society",
+        "40" =>	"Other",
+      })
+    end
   end
 
-  it "has the correct displayed_answer_options" do
-    expect(question.displayed_answer_options(nil, nil)).to eq({
-      "" => "Select an option",
-      "1" =>	"Atom Bank",
-      "2" =>	"Barclays Bank PLC",
-      "3" =>	"Bath Building Society",
-      "4" =>	"Buckinghamshire Building Society",
-      "5" =>	"Cambridge Building Society",
-      "6" =>	"Coventry Building Society",
-      "7" =>	"Cumberland Building Society",
-      "8" =>	"Darlington Building Society",
-      "9" =>	"Dudley Building Society",
-      "10" =>	"Ecology Building Society",
-      "11" =>	"Halifax",
-      "12" =>	"Hanley Economic Building Society",
-      "13" =>	"Hinckley and Rugby Building Society",
-      "14" =>	"Holmesdale Building Society",
-      "15" =>	"Ipswich Building Society",
-      "16" =>	"Leeds Building Society",
-      "17" =>	"Lloyds Bank",
-      "18" =>	"Mansfield Building Society",
-      "19" =>	"Market Harborough Building Society",
-      "20" =>	"Melton Mowbray Building Society",
-      "21" =>	"Nationwide Building Society",
-      "22" =>	"Natwest",
-      "23" =>	"Nedbank Private Wealth",
-      "24" =>	"Newbury Building Society",
-      "25" =>	"OneSavings Bank",
-      "26" =>	"Parity Trust",
-      "27" =>	"Penrith Building Society",
-      "28" =>	"Pepper Homeloans",
-      "29" =>	"Royal Bank of Scotland",
-      "30" =>	"Santander",
-      "31" =>	"Skipton Building Society",
-      "32" =>	"Teachers Building Society",
-      "33" =>	"The Co-operative Bank",
-      "34" =>	"Tipton & Coseley Building Society",
-      "35" =>	"TSB",
-      "36" =>	"Ulster Bank",
-      "37" =>	"Virgin Money",
-      "38" =>	"West Bromwich Building Society",
-      "39" =>	"Yorkshire Building Society",
-      "40" =>	"Other",
-    })
+  context "when form year is >= 2024" do
+    before do
+      allow(form).to receive(:start_year_after_2024?).and_return(true)
+    end
+
+    it "has the correct answer_options" do
+      expect(question.answer_options).to eq({
+        "" => "Select an option",
+        "0" => "Don’t know",
+        "1" =>	"Atom Bank",
+        "2" =>	"Barclays Bank PLC",
+        "3" =>	"Bath Building Society",
+        "4" =>	"Buckinghamshire Building Society",
+        "5" =>	"Cambridge Building Society",
+        "6" =>	"Coventry Building Society",
+        "7" =>	"Cumberland Building Society",
+        "8" =>	"Darlington Building Society",
+        "9" =>	"Dudley Building Society",
+        "10" =>	"Ecology Building Society",
+        "11" =>	"Halifax",
+        "12" =>	"Hanley Economic Building Society",
+        "13" =>	"Hinckley and Rugby Building Society",
+        "14" =>	"Holmesdale Building Society",
+        "15" =>	"Ipswich Building Society",
+        "16" =>	"Leeds Building Society",
+        "17" =>	"Lloyds Bank",
+        "18" =>	"Mansfield Building Society",
+        "19" =>	"Market Harborough Building Society",
+        "20" =>	"Melton Mowbray Building Society",
+        "21" =>	"Nationwide Building Society",
+        "22" =>	"Natwest",
+        "23" =>	"Nedbank Private Wealth",
+        "24" =>	"Newbury Building Society",
+        "25" =>	"OneSavings Bank",
+        "26" =>	"Parity Trust",
+        "27" =>	"Penrith Building Society",
+        "28" =>	"Pepper Homeloans",
+        "29" =>	"Royal Bank of Scotland",
+        "30" =>	"Santander",
+        "31" =>	"Skipton Building Society",
+        "32" =>	"Teachers Building Society",
+        "33" =>	"The Co-operative Bank",
+        "34" =>	"Tipton & Coseley Building Society",
+        "35" =>	"TSB",
+        "36" =>	"Ulster Bank",
+        "37" =>	"Virgin Money",
+        "38" =>	"West Bromwich Building Society",
+        "39" =>	"Yorkshire Building Society",
+        "41" => "Kent Reliance",
+        "40" =>	"Other",
+      })
+    end
+
+    it "has the correct displayed_answer_options" do
+      expect(question.displayed_answer_options(nil, nil)).to eq({
+        "" => "Select an option",
+        "1" =>	"Atom Bank",
+        "2" =>	"Barclays Bank PLC",
+        "3" =>	"Bath Building Society",
+        "4" =>	"Buckinghamshire Building Society",
+        "5" =>	"Cambridge Building Society",
+        "6" =>	"Coventry Building Society",
+        "7" =>	"Cumberland Building Society",
+        "8" =>	"Darlington Building Society",
+        "9" =>	"Dudley Building Society",
+        "10" =>	"Ecology Building Society",
+        "11" =>	"Halifax",
+        "12" =>	"Hanley Economic Building Society",
+        "13" =>	"Hinckley and Rugby Building Society",
+        "14" =>	"Holmesdale Building Society",
+        "15" =>	"Ipswich Building Society",
+        "16" =>	"Leeds Building Society",
+        "17" =>	"Lloyds Bank",
+        "18" =>	"Mansfield Building Society",
+        "19" =>	"Market Harborough Building Society",
+        "20" =>	"Melton Mowbray Building Society",
+        "21" =>	"Nationwide Building Society",
+        "22" =>	"Natwest",
+        "23" =>	"Nedbank Private Wealth",
+        "24" =>	"Newbury Building Society",
+        "25" =>	"OneSavings Bank",
+        "26" =>	"Parity Trust",
+        "27" =>	"Penrith Building Society",
+        "28" =>	"Pepper Homeloans",
+        "29" =>	"Royal Bank of Scotland",
+        "30" =>	"Santander",
+        "31" =>	"Skipton Building Society",
+        "32" =>	"Teachers Building Society",
+        "33" =>	"The Co-operative Bank",
+        "34" =>	"Tipton & Coseley Building Society",
+        "35" =>	"TSB",
+        "36" =>	"Ulster Bank",
+        "37" =>	"Virgin Money",
+        "38" =>	"West Bromwich Building Society",
+        "39" =>	"Yorkshire Building Society",
+        "41" => "Kent Reliance",
+        "40" =>	"Other",
+      })
+    end
   end
 end