If you’re self-employed or submit your tax return yourself, mortgage lenders will usually ask for your SA302s and Tax Year Overviews to verify your income.
These documents come directly from HMRC and are quick to access if you know where to look. Here’s a simple guide to finding them via your personal Government Gateway account.
What is an SA302?
Your SA302 is a summary of your tax calculation for a specific tax year. It shows your total income and how much tax you owe or have paid. Think of it as your personal tax summary.
What is a Tax Year Overview?
The Tax Year Overview confirms the figures submitted on your tax return and shows what HMRC has recorded as received. Lenders often ask for this alongside the SA302 to confirm the information matches.
How to Download Your SA302 and Tax Year Overview
Step-by-step: SA302 (Tax Calculation)
1. Log in to your Government Gateway account.
2. Select ‘Self Assessment’ from the services listed.
3. Choose ‘More Self Assessment details’.
4. Click ‘Get your SA302 tax calculation’.
5. Choose the tax year you need and select ‘View your calculation’.
6. Use your browser’s print to PDF function to save a copy or print it directly.
Step-by-step: Tax Year Overview
1. While still in Self Assessment, go back to the main Self Assessment summary.
2. Click on ‘View your Tax Year Overview’.
3. Select the same tax year as your SA302.
4. Again, print or save a PDF copy.
Do this for the last two or three years, depending on what your lender asks for.
Common Pitfall
Don’t send a screenshot of your tax return or just the figures you entered. Mortgage lenders specifically need the official HMRC documents, the SA302 and matching Tax Year Overview – to verify your income.
Tip from the Pros
If you’re struggling to access your documents, or unsure your submission is complete, your accountant can usually help or provide them directly, as long as they submitted your return.
Summary: Key Takeaways
• You’ll find both the SA302 and Tax Year Overview in your personal Government Gateway account.
• Download or print them directly from HMRC.
• Most lenders require the last 2-3 years’ documents.
• Always send both documents for the same year, they must match.
Need a Hand?
If you’re not sure you’ve downloaded the correct documents, or you’re considering a mortgage soon and want to make sure everything’s in order, we’re happy to help.
Get in touch with our team at Greystone Advisory and we’ll make sure your figures are mortgage-ready.
