What Is an SA302 and How to Get One

An SA302 is HMRC's official tax calculation document. It shows your income, tax due, and tax paid for a specific tax year. Mortgage lenders frequently request it as proof of income for self-employed applicants.

What an SA302 Shows

• Your total income from all sources
• Any tax reliefs and allowances
• Your total tax liability
• Tax already paid
• The balance due or overpaid

How to Get Your SA302

Online: Log in to your HMRC Government Gateway account, go to Self Assessment, and download your tax calculation. You can print it or save it as a PDF.

By post: Call HMRC's Self Assessment helpline and request a copy. Allow 7-10 working days.

Through your accountant: If your accountant files your return through software, they can generate the tax calculation directly.

Why Mortgage Lenders Want It

Lenders use the SA302 to verify your income when you apply for a mortgage. They typically want the SA302 for the last 2-3 years, along with the corresponding tax year overviews.

Tax Year Overview

Alongside the SA302, lenders usually ask for a tax year overview — a separate document showing the tax charged, payments made, and the balance. This is also available through your HMRC online account.

Tips for a Smooth Mortgage Application

• File your Self Assessment return as early as possible — lenders want the most recent figures
• Keep your HMRC online account accessible
• Ensure your return is accurate — lenders may query inconsistencies
• Accounted keeps your records accurate and ready for lender scrutiny

Accounted handles your bookkeeping, tax estimates, and MTD submissions automatically. Start your free trial — no credit card required.