by Asim Abbas
11 November 2026 
SA302 tax calculation: how to get one for a mortgage
SA302 tax calculation: how to get one for a mortgage
If you’re self-employed, a landlord or a company director, your mortgage lender will almost certainly ask for proof of income. That usually means your SA302 tax calculations and tax year overviews.
- An SA302 shows the income and tax on your Self Assessment return
- Lenders usually want two years of SA302s plus tax year overviews
- You can download them from your HMRC online account
- Your accountant can also provide them from their software
HMRC no longer posts these out for online returns, so you need to download them yourself or ask your accountant.
This guide explains what an SA302 is, how to get one quickly and what lenders look for.
What is an SA302?
An SA302 is HMRC’s tax calculation for a tax year. It shows your income by type, allowances, tax and National Insurance due. Lenders use it because it comes straight from your filed return.
What is a tax year overview?
A tax year overview confirms what HMRC expects you to pay and what you’ve paid for that year. Most lenders ask for it alongside each SA302, to prove the calculation matches what HMRC holds.
How to get your SA302
From your HMRC online account
- Sign in to your HMRC online account
- Go to your Self Assessment section and choose the tax year
- Select the option to view or print your tax calculation
- Download the tax year overview for the same year
From your accountant
If an accountant filed your return, they can usually produce the calculation from their HMRC-recognised software. Many lenders accept these alongside your tax year overview. If not, they’ll ask for the version from your HMRC account.
By phone
If you can’t access your online account, you can ask HMRC to post a copy. This can take a couple of weeks, so leave plenty of time.
Income tax calculator
Check your tax on your latest year’s income.
What lenders look for
- Usually two years of SA302s and tax year overviews, sometimes three
- Steady or rising income
- For directors, salary plus dividends, and sometimes company accounts
- Returns filed on time, with no large tax debts
A sole trader earned £34,000 profit in 2024/25 and £41,000 in 2025/26. Many lenders will use the latest year or an average of both, so filing your 2025/26 return early can increase what you can borrow.
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Transparent monthly packages for sole traders, landlords and limited companies. Fixed fees agreed upfront, VAT included.
Get a fixed-fee quoteCall 0161 531 4179Applying for a mortgage soon?
If your latest year was your best, file your 2025/26 return as soon as possible rather than waiting for January. Once it’s filed and processed, your new SA302 is available. Our Self Assessment service can file quickly, and our company director tax returns service handles director income.
Tips to avoid delays
- Make sure your return is fully filed, not just saved
- Allow up to 72 hours after filing for the calculation to appear online
- Check the figures match your accounts and bank statements
- Keep your Government Gateway or One Login details to hand
What should I do next?
Lenders want the latest two or three.
From your HMRC online account.
A newer, higher year can help.
We can provide calculations for returns we file. Get in touch.
Frequently Asked Questions
Do lenders still accept SA302s?
Yes. Most lenders ask for SA302s or tax calculations with matching tax year overviews for self-employed and director applicants.
How long does it take to get an SA302?
If you filed online, you can usually download it within 72 hours. Postal copies from HMRC can take a couple of weeks.
Can my accountant provide my SA302?
Usually yes, from their software. Some lenders insist on the version from your HMRC account, so check with your broker.
What if my latest return isn’t filed yet?
File it. Lenders can only use filed years, so an early filing can help if your income has grown.
Can Wingate help with mortgage paperwork?
Yes. We file returns quickly and provide tax calculations and accountant’s letters where lenders accept them.
Need help with this? Wingate Accountants offers fixed-fee online accountancy support across the UK. Call 0161 531 4179 or request a quote at wingateaccountants.co.uk.
About the Author
Asim Abbas
I’m Asim Abbas, founder of Wingate Accountants and a Chartered Certified Accountant. I help sole traders, landlords and directors stay on top of their tax with fixed fees and plain-English advice.
