How do I get my SA302 from HMRC?

If you file your self-assessment online, log in to your HMRC account, go to "Self Assessment", then "More Self Assessment details", and select "Get your SA302 tax calculation". You can view and print it immediately. If you file through an accountant or by post, you can request a copy by calling HMRC or asking your accountant to provide it.

How many years of SA302s do mortgage lenders need?

Most lenders ask for two years of SA302s, but some accept just one year if your income is stable or growing. A few lenders require three years. Your mortgage broker can advise on which lenders best suit your circumstances.

Can I get a mortgage without an SA302?

It is difficult but not impossible. Some lenders accept alternative evidence of income, such as certified accounts prepared by a qualified accountant or bank statements showing regular income deposits. Your options are more limited without SA302s, and a specialist broker can help identify suitable lenders.

What is an SA302? Meaning Explained

An SA302 — formally called a "Tax Calculation" — is a document produced by HMRC that summarises your self-assessment tax return for a specific tax year. It shows your total income from all sources, any deductions or reliefs claimed, and the amount of tax due. Mortgage lenders routinely ask self-employed applicants to provide SA302s for the last two or three tax years as proof of income.

You can obtain your SA302 in several ways. If you file your tax return online, you can download it from your HMRC online account immediately after filing. If you file through an accountant using commercial software, they may be able to provide a tax calculation in a similar format. Alternatively, you can call HMRC and request a printed copy, which typically takes one to two weeks to arrive.

Most mortgage lenders require the SA302 to be accompanied by the corresponding Tax Year Overview, which is a separate document confirming the amounts match HMRC's records and that your tax has been paid. Together, these two documents give the lender confidence that your declared income is accurate.

Some lenders accept accountant-produced tax calculations instead of the official HMRC SA302, provided the accountant is suitably qualified (for example, a chartered accountant). However, others insist on the HMRC version, so it is best to have both available.

Example

Raj is a self-employed plumber applying for a £200,000 mortgage. His broker asks for SA302s for the last two tax years. His 2023/24 SA302 shows taxable income of £48,000 and his 2024/25 shows £52,000. The lender averages these to £50,000 and applies an income multiple of 4.5, offering Raj a maximum mortgage of £225,000. Raj downloads both SA302s and the corresponding Tax Year Overviews from his HMRC online account.

Key Points

An SA302 is HMRC's summary of your self-assessment tax return for a given year
Mortgage lenders typically require SA302s for the last two or three years
It must usually be accompanied by a Tax Year Overview for each corresponding year
You can download SA302s from your HMRC online account or request printed copies
Some lenders accept accountant-produced tax calculations as an alternative