Key takeaways
- An SA302 is HMRC's tax calculation for one tax year; the tax year overview confirms what HMRC holds and what has been paid.
- You can print both from your HMRC online account under Self Assessment, then More details about your Self Assessment returns and payments.
- You cannot print either document until 72 hours after you send your tax return.
- GOV.UK says you can get an SA302 for the last 4 years after you have sent your return.
- If you file with commercial software, print the tax calculation from that software and the tax year overview from your HMRC online account.
- HMRC's list of lenders that accept self-printed SA302s names 66 lenders, but it was last updated on 8 June 2020, so check with your lender.
- If you cannot get the documents online, call the Self Assessment helpline on 0300 200 3310, Monday to Friday, 8am to 6pm.
You get your SA302 and tax year overview by signing in to your HMRC online account and printing them from the Self Assessment section, at least 72 hours after you file your tax return. Most mortgage lenders ask self-employed applicants for both documents, usually for two recent tax years. If you use commercial software, print the tax calculation from the software and the overview from HMRC.
What is an SA302?
An SA302 is HMRC’s tax calculation for a single tax year, worked out from your Self Assessment return. GOV.UK describes it as “a summary of the tax you owe for the tax year”. Software providers may call it a tax computation. The tax year runs from 6 April to 5 April.
What is a tax year overview?
A tax year overview is a one-page summary from your HMRC account showing the tax due for a year and the payments made against it. Lenders use it to check that the SA302 matches what HMRC actually holds. GOV.UK says a tax year overview is available for any year, while an SA302 is available for the last 4 years after you have sent your return.
| Document | What it shows | Where to get it |
|---|---|---|
| SA302 tax calculation | Income and tax worked out for one year | HMRC online account or your software |
| Tax year overview | Tax due, payments and balance | HMRC online account only |
How to print your SA302 and overview online
You print both documents from your HMRC online account, which you sign in to with your Government Gateway or GOV.UK One Login details.
- Wait at least 72 hours after sending your return. GOV.UK says you cannot print the documents before then.
- Sign in to your HMRC online account.
- Go to Self Assessment.
- Select More details about your Self Assessment returns and payments.
- Choose the tax year, then print or save the tax calculation and the tax year overview.
- Repeat for each year your lender wants.
Save them as PDFs as well as printing them. Lenders and brokers often ask for digital copies.
If you file with commercial software
If you sent your return through commercial software, print the tax calculation from that software. GOV.UK says you can still print the tax year overview from your HMRC online account. If the software will not print the calculation, contact the software company rather than HMRC.
If you cannot get the documents online
You can contact HMRC if you have problems getting the documents. The Self Assessment helpline is 0300 200 3310 (+44 161 931 9070 from outside the UK), open Monday to Friday, 8am to 6pm. HMRC’s postal address for Self Assessment is Self Assessment, HM Revenue and Customs, BX9 1AS.
GOV.UK’s SA302 page does not set out how long a posted copy takes, so allow time before your mortgage deadline. Have your UTR number ready before you call.
Will my lender accept a printed SA302?
Many lenders accept SA302s you print yourself, but you should always check. HMRC publishes a list of mortgage providers that have agreed to accept a self-printed tax calculation and a tax year overview, printed by you, your agent or your accountant. It names 66 lenders, including Barclays, HSBC, Halifax, Nationwide, NatWest, Santander and TSB.
That list was last updated on 8 June 2020, when Loughborough Building Society was added. Some names on it have since merged or stopped lending. HMRC’s own advice is to “always check with the lender or mortgage provider what they require as evidence of your income.”
Which applies to you?
- You filed online through HMRC: print both documents from your HMRC online account.
- You filed through software or an accountant: print the calculation from the software, or ask your accountant, and print the overview from your HMRC account.
- You have not filed this year’s return yet: file it first. Our guide to filing a Self Assessment return explains how.
- You amended a return: wait for HMRC to process the amendment, then print fresh copies so the figures match.
- You cannot sign in or print: call the Self Assessment helpline.
Check the figures before you send them
Check that the SA302 and overview show the same tax due. A mismatch, or a balance still owing, is something underwriters may ask about.
HMRC found an error with Class 2 National Insurance on some 2024 to 2025 calculations. Its Agent Update issue 137 (20 November 2025) says the fix went live on 27 and 28 September 2025, and that SA302s issued from 29 September 2025 show the correct Class 2 position. If you printed an earlier 2024 to 2025 calculation, print a new one.
What to do now
- File any outstanding return early rather than waiting for the 31 January deadline.
- Print the last two years’ SA302s and overviews, and save PDFs.
- Ask your broker or lender which years and formats they need.
- Read our guide to self-employed mortgages for what else lenders check.
You can estimate your bill first with our Self Assessment calculator.
Frequently asked questions
How soon after filing can I print my SA302?
You can print your SA302 and tax year overview 72 hours after you send your tax return. Before then they will not be available in your HMRC online account.
How many years of SA302 can I get?
GOV.UK says you can get an SA302 for the last 4 years after you have sent your return. A tax year overview is available for any year.
Do mortgage lenders accept SA302s I print myself?
HMRC’s list names 66 lenders that agreed to accept self-printed SA302s and tax year overviews. The list dates from 8 June 2020, so confirm with your lender.
Can my accountant get my SA302?
Yes. HMRC’s lender list says the documents can be printed by you, your agent or your accountant. If your accountant filed with commercial software, they print the calculation from that software.
What phone number do I call for an SA302?
Call the Self Assessment helpline on 0300 200 3310, Monday to Friday, 8am to 6pm. From outside the UK call +44 161 931 9070.
Sources
Rates, thresholds and rules in this guide were checked against HMRC and GOV.UK guidance on 6 November 2026. Tax rules change, so check the current position on GOV.UK or with a qualified adviser before acting. This guide is general information, not personal advice.