SA302 & Tax Year Overviews for a Mortgage

Published 1 June 2015 · Last reviewed 8 July 2026

In short: An SA302 is the official HMRC tax calculation that summarises the income and tax you declared for a tax year. Mortgage lenders pair it with the matching HMRC tax year overview to verify self-employed or self-declared income. You can download both from your HMRC online account for the last four tax years, or your accountant can produce them.

Evidencing income you self-declare tax on  – SA302 & Tax Year Overviews for Mortgage Lenders.

A HMRC SA302 & Tax Year overviews will be required for any given year requested. Please read below for some guidance on what you need to do when to get hold of these documents.

How do I obtain this information?

HM Revenue & Customs (HMRC) provides the information online. Type in HMRC Online Services and you will see the same login page you used to submit your self-assessment.

Paper originals will continue to be acceptable if you do not have access to the internet. These can be ordered by you (or your Accountant) from HRMC T: 0300 200 3310.

A combination of online and paper versions to proof a number of years is acceptable.

SA302s (Tax Calculations)

Please ensure the following details are visible on the online SA302:

• HMRC logo
• Unique Tax Reference (UTR)
• Your name,
• Tax year

How to print a SA302 Tax Calculation (online):

Tax Year Overviews

Note: you can currently only view and print your tax calculation (SA302) for the last 4 tax years from your HMRC online account, with the matching tax year overview for any year.

An additional HMRC online document called a Tax Year Overview will be required to verify that the SA302 information is correct, whether using online or paper-based SA302s.

The Tax Year Overview is produced by HMRC after the customer has submitted their self-assessment tax return. It shows the amount of tax due to be paid directly to HMRC or any available amount for a refund for a given tax year.

How to print a Tax Year Overview (online):

From your HMRC online account

1. Log into the HMRC online account (go to www.online.hmrc.gov.uk)
2. Select ‘Self Assessment’ (if you are only registered for Self Assessment then you will automatically be directed to this screen)
3. Follow the link ‘Self Assessment Overview’
4. Follow the link ‘view account’
5. Follow the link ‘tax years’
6. Choose the year from the drop down menu and click the ‘Go’ button
7. Follow the link ‘print your Tax Year Overview’.

Getting a mortgage when you are self-employed?

If you are downloading your SA302s, you are almost certainly preparing a mortgage application — and how a lender reads your figures matters as much as the documents. The income a lender uses can differ depending on whether you trade as a sole trader, a partnership or a limited company, and whether they assess your salary and dividends or your share of the company’s net profit. Being matched to a lender whose method suits your accounts is often the difference between the loan you want and a disappointing offer.

• Self-employed mortgages — the full guide
• Net profit vs salary and dividends — how limited-company directors can be assessed on the company’s net profit, not just what they draw.
• Mortgages on one year’s accounts — for the recently self-employed.
• Mortgages for limited-company owners
• Self-assessment filing deadlines and your mortgage — why the timing of your tax return affects your application.
• Work out the numbers on our mortgage calculators.

Every self-employed case is different. Send us your SA302s and tax year overviews and we will tell you which lenders suit how your income is structured. Request a callback.

Frequently asked questions

What is the difference between an SA302 and a tax year overview?

The SA302 is HMRC’s tax calculation showing the income you reported for a tax year and the tax due. The tax year overview is a separate HMRC document confirming the tax charged and paid for that year. Lenders usually want both for the same year so the figures corroborate each other.

How do I download my SA302 and tax year overview from HMRC?

Sign in to your HMRC online account (or ask your accountant). The tax calculation (SA302) is under Self Assessment, and the tax year overview is listed separately for each tax year. If you file by commercial software, print the tax calculation from the software and pair it with the HMRC tax year overview.

How many years of SA302s do mortgage lenders want?

It varies by lender and circumstances. Many ask for two to three years; some will consider one year’s figures depending on the case. A specialist adviser can match you to lenders whose documentation requirements fit your trading history.

What if my SA302 income and tax year overview don’t match?

Small differences can happen (for example, timing or amendments). Lenders look for the two documents to reconcile, so it’s worth checking them — along with the bank statements lenders check — before you apply. If they don’t line up, speak to your accountant and an adviser before submitting.