Definition
An SA302 is HMRC’s tax calculation for a single tax year, showing the income declared on a Self Assessment return and the Income Tax worked out on it. Mortgage lenders often ask self-employed borrowers and company directors for their SA302s, with the matching tax year overviews, as proof of income. Both can be printed from an HMRC online account once the return has been processed.
How to get your SA302
- Wait at least 72 hours after sending your Self Assessment return.
- Sign in to your HMRC online account, choose Self Assessment, then “More details about your Self Assessment returns and payments”.
- Print the tax calculation and the tax year overview.
Documents are available for the last 4 years. If the return was filed through commercial software, for example by an accountant, the tax calculation is printed from that software, while the tax year overview still comes from your HMRC online account.
Check the lender accepts printed copies
HMRC publishes a list of lenders that accept documents you print yourself. Contact HMRC if you have problems getting them.
An SA302 only reflects what was on the return, so an error in the return carries through to the lender. SmartFiling’s Self Assessment tax return service prepares the return the calculation is based on.
Related questions
- How do I get an SA302 for a mortgage? Print it from your HMRC online account 72 hours after filing, or from your accountant's software, along with the tax year overview.
- Can I get an SA302 before filing my return? No. The calculation comes from a submitted return, so the return has to be filed first.
Related terms
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Self Assessment
Self Assessment is the system HM Revenue and Customs (HMRC) uses to collect Income Tax that is not taken automatically, for example through PAYE.
Read definition -
Unique Taxpayer Reference (UTR)
A Unique Taxpayer Reference (UTR) is the 10-digit number HM Revenue and Customs (HMRC) gives each taxpayer.
Read definition
