How to Download Your SA302 and Tax Calculation from HMRC for Your Mortgage Application

If you're self-employed and applying for a mortgage in the UK, your lender will likely ask for your SA302 and Tax Year Overview documents. These confirm your income and tax paid for a specific year and are essential for proving affordability.

At Model Financial Solutions, we specialise in helping self-employed professionals, company directors, and business owners secure mortgages. Here’s a simple step-by-step guide on how to download your SA302 and Tax Year Overview directly from HMRC.

What is an SA302?

An SA302 is a summary of your income, tax calculation, and tax paid, based on your Self Assessment tax return.

Lenders typically ask for:

• SA302 Tax Calculation (last 2–3 years)

• Tax Year Overview (same tax years)

Example of a SA302

Example of a Tax Year Overview

How to Download Your SA302 and Tax Year Overview

Step 1: Log into your HMRC Personal Tax Account

1. Visit the official HMRC website for self assessment

2. Sign in using your Government Gateway user ID and password

Step 2: Access Your Self Assessment

1. On the homepage, click 'Self Assessment'

2. Then select 'More Self Assessment details'

Step 3: View and Print Your SA302

1. Scroll to 'Tax return options' and select the relevant tax year.

2. Click 'View Return'.

3. Scroll down and click 'View/Print your calculation'

4. This is your SA302 – download or print it.

Step 4: Download Your Tax Year Overview

1. Return to the Self Assessment main page.

2. Click 'View your Tax Year Overview'

3. Select the same tax year as your SA302.

4. Download or print this document.

Why Lenders Ask for SA302s

Lenders need to verify your declared income over the past two to three years. The SA302 and Tax Year Overview, when provided together, give them assurance that:

• You’ve submitted your tax returns accurately

• You’ve paid the appropriate tax

• Your income is stable and sufficient to support the mortgage you’re applying for

Alternatives: Accountant’s Certificate or Tax Calculation

Some lenders may also accept an Accountant’s Certificate or a signed version of your Tax Calculation and Tax Year Overview provided by your accountant – especially if you submit your returns via accounting software.

Need Help with Your Mortgage as a Self-Employed Applicant?

At Model Financial Solutions, we understand self-employed income, including those who consider:

• Sole traders and Ltd company directors

• Self employed with one year’s accounts

• Company directors using salary + dividends

• Company directors using net profit

• Contractors and freelancers with complex income structures

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Your home may be repossessed if you do not keep up repayments on your mortgage.