How to get your SA302 and tax year overview
Last reviewed: 27 July 2026
Log in to your HMRC online account, go to 'Self Assessment', then 'More details about your Self Assessment returns and payments', and print both the tax calculation (SA302) and the tax year overview for each year the lender asks for. The last 4 years are available, from 72 hours after you file. If your return went through commercial software, print the calculation from that software; the tax year overview still comes from your HMRC account.
The pairing lenders actually want
Lenders normally want both documents for each tax year: the tax calculation (SA302) showing the income you declared, and the matching tax year overview showing HMRC's record of the tax due and paid. One without the other is usually rejected, so always pull them as a pair and check the figures match before sending anything to your broker or lender.
Route 1: you filed through the HMRC website
- Log in to your HMRC online account.
- Go to 'Self Assessment', then 'More details about your Self Assessment returns and payments'.
- Print or save the tax calculation (SA302) for each year the lender asks for.
- Print or save the tax year overview for each of the same years.
- Check the figures on each pair match.
Two timing rules from GOV.UK (checked 27 July 2026): documents for the last 4 years are available once you have sent the return, and you cannot print documents until 72 hours after filing.
Route 2: you or your accountant used commercial software
Print the tax calculation from the software itself. GOV.UK notes it may be called a 'tax computation' rather than an SA302; lenders accept it under either name. The tax year overview always comes from your HMRC online account, so you (or your accountant) still log in for that half of the pair. If your accountant filed for you, the quickest route is simply asking them for the full set.
Route 3: by phone
If you cannot get the documents online, call HMRC Self Assessment general enquiries on 0300 200 3310 (Monday to Friday, 8am to 6pm; +44 161 931 9070 from outside the UK) and ask for your tax calculations and tax year overviews for the years you need. Allow extra time for anything sent by post.
Before you send them off
- An SA302 and a tax year overview for each year requested (usually 2, sometimes 3).
- The years are your most recent filed tax years.
- The figures match between each SA302 and its tax year overview.
- Names and your UTR number are readable on every page.
- Saved as PDFs (print to PDF) rather than photos, if submitting digitally.
Where this fits in your application
SA302s are the core income evidence for sole traders and partners, and part of the picture for company directors. See self-employed mortgages for how lenders read the numbers, the full documents checklist for everything else you will need, and documents you need for the guide version. This page is information, not advice: a regulated mortgage broker will confirm exactly which years your lender wants.
Common questions
What is an SA302?
An SA302 is HMRC's tax calculation for a Self Assessment tax year. It shows the income you declared and the tax due, which is why mortgage lenders use it as proof of self-employed income. If your return was filed through commercial software, the same document may be called a tax computation.
Why do lenders want the tax year overview as well?
The SA302 shows what you declared; the tax year overview confirms HMRC's record of the tax due and paid for that year. Lenders cross-check the pair to make sure the calculation matches HMRC's records, so sending one without the other usually gets the application bounced back.
How many years of SA302s do lenders ask for?
Most commonly two tax years, though some lenders want three and a few accept one. HMRC makes the last four years available online once returns are filed, so pulling an extra year while you are logged in costs nothing.
How long does it take to get an SA302?
If you filed online, it is available to print from your HMRC account 72 hours after submitting the return. If you need HMRC to help by phone, allow longer, especially for anything posted. Requesting documents early is one of the easiest ways to keep a mortgage application moving.
Founder, MortgageExplained
Adam spent nearly a decade as a mortgage adviser at Just Mortgages, with further experience in commercial finance. He is CeMAP and CF qualified. He built MortgageExplained to do one thing well: explain mortgages in plain English, then introduce you to a regulated broker when you are ready. Every page is written and reviewed by Adam.
Last reviewed: 27 July 2026