How to Get Your SA302 and Tax Year Overview for a Mortgage Application (2026/27)

Print your SA302 tax calculation and tax year overview from your HMRC account or software, when you can print them, and what to do if they do not match.

2026/27 tax year

Personal Finance
Self-employed (SA)
UK-wide

Summary

GOV.UK says you can get your SA302 tax calculation for the last 4 years once you have sent your Self Assessment return, and a tax year overview for any year.
If you filed through HMRC's online services, sign in to your HMRC online account, go to Self Assessment, then More details about your Self Assessment returns and payments.
If you or your accountant filed with commercial software, print the tax calculation from that software, where it may be called a tax computation; the tax year overview still comes from your HMRC online account.
You cannot print either document until 72 hours after you sent the return, so file well before the lender asks.
HMRC's list of lenders that accept self-printed documents was last updated on 8 June 2020, so always confirm with your own lender what evidence it wants.

This guide is general information, not advice.

If you are self-employed and applying for a mortgage, the lender will almost certainly ask for proof of income in the form of HMRC’s own documents: your SA302 tax calculation and a tax year overview for the same year. This guide is for anyone who has filed a Self Assessment return and now needs to get those two pieces of paper.

By the end you will know where to print each one, which route applies if an accountant filed for you, when the documents become available, and what to do if the figures on them do not line up. How lenders then read the numbers is a separate question, covered in our self-employed and contractor mortgage guide.

Before you start

Have these ready:

Your HMRC online account sign-in details. The Self Assessment online service lets you “print your tax calculation” as well as file and view past returns. If you do not have sign-in details you can create them, and GOV.UK says you will be told if you need to prove your identity.
Your Unique Taxpayer Reference (UTR). The same page says you will need it.
A filed return for each year the lender wants. The SA302 only exists once the return has been sent.
Your accountant’s contact details, if they filed using commercial software.
Your lender’s evidence requirements: which years, and whether it takes documents you print yourself.

Step-by-step

Check what the lender will accept. HMRC publishes a list of mortgage providers and lenders that have agreed to accept tax calculations and tax year overviews that customers, or their agents or accountants, printed themselves. Names on it include Barclays, Halifax, HSBC, Nationwide Building Society and Santander. The list was last updated on 8 June 2020, and HMRC’s own note on it is “Always check with the lender or mortgage provider what they require as evidence of your income.” Treat it as a starting point, not a guarantee.
Wait 72 hours after filing. GOV.UK is explicit: “You cannot print your documents until 72 hours after you sent your tax return” (GOV.UK: Get your SA302).
If you filed through HMRC’s online services, print both documents from your account. GOV.UK gives two steps: log in to your HMRC online account, then go to ‘Self Assessment’, then ‘More details about your Self Assessment returns and payments’. Print the tax calculation (SA302) and the tax year overview for each year the lender wants. You can get the SA302 for the last 4 years once the return has been sent, and a tax year overview for any year.
If you or your accountant filed with commercial software, get the tax calculation from the software. GOV.UK says you will need to use that software to print it, and that it “might be called something different in the software - for example ‘tax computation’.” If printing fails, contact the software company. The tax year overview is not affected: you can still print it from your HMRC online account.
If you cannot get the documents, contact HMRC. The SA302 page says you can contact HMRC if you have any problems getting them. The Self Assessment general enquiries line is 0300 200 3310 (+44 161 931 9070 from outside the UK), Monday to Friday, 8am to 6pm, and it handles queries about Self Assessment returns, payments, replacements or notices. Problems signing in go to HMRC’s online services helpdesk instead, linked from the same page.
Check the pair before you send it. Make sure the SA302 and tax year overview are for the same tax year (6 April to 5 April) and that the tax figures on them agree. Then send them to the lender or broker in the format they asked for.

Deadlines and what happens next

The 72-hour wait after sending your return is the only timescale GOV.UK gives for self-printing.
GOV.UK does not state how long HMRC takes to post documents if you ask for them by phone, so do not rely on a posted copy arriving by a particular date. Printing them yourself is the route GOV.UK describes.
The next return. For the tax year that ended on 5 April 2026, the online filing deadline is 11:59pm on 31 January 2027 and paper returns are due by 11:59pm on 31 October 2026. If a lender wants the 2025/26 figures, you have to file that return first. GOV.UK says a paper return can be sent any time on or after 6 April 2026, so there is no need to wait for the deadline.

Common mistakes

Applying the day after filing. The documents are not printable for 72 hours.
Sending an SA302 without the tax year overview. HMRC’s lender list says the lenders on it “will also need a tax year overview”.
Looking for the SA302 in your HMRC account when your accountant filed via software. The calculation has to come from the software; only the overview comes from your account.
Assuming your lender is on the 2020 list, or that being on it settles the matter. Ask the lender.
Sending a pair that does not match after you have amended a return (see below).

Worked example: a mismatch after an amendment

Say you filed your 2025/26 return online, printed an SA302, then spotted an expense you had left out and corrected the return. GOV.UK’s change-your-return page says you can correct a return “within 12 months of the Self Assessment deadline”. With the 2025/26 online deadline at 31 January 2027, that window runs to 31 January 2028. For online returns you “must wait 3 days (72 hours) after filing before updating your return”, and “Your bill will be updated based on what you report.”

Your old SA302 now shows the pre-amendment figure. Once the amendment has processed, print the SA302 and the tax year overview again, check the tax figures agree, and give the lender the new pair with a short note that the return was amended. After the 12-month window, GOV.UK says you have to write to HMRC instead of amending online.

Self-employed and contractor mortgages 2026/27 - how lenders assess the income these documents prove.
How to pay your Self Assessment tax bill - clear the balance the calculation shows.
Salary for mortgage calculator - what income a given mortgage needs.

Frequently asked questions

How many years of SA302 can I get?

GOV.UK says you can get evidence of your earnings (the SA302) for the last 4 years once you have sent your Self Assessment tax return, and a tax year overview for any year. How many years a particular lender wants is its own decision, so ask the lender or broker before you print.

Why can I not print my SA302 straight after filing?

GOV.UK says you cannot print your documents until 72 hours after you sent your tax return. If a lender needs the latest year, file at least three days before you need to hand the documents over.

My accountant filed my return. How do I get my SA302?

If your return went in through commercial software, GOV.UK says the tax calculation has to be printed from that software, where it might be called a tax computation, so ask your accountant for it. You can still print the tax year overview yourself from your HMRC online account.

Will every mortgage lender accept an SA302 I printed myself?

Not necessarily. HMRC publishes a list of lenders that have agreed to accept self-printed tax calculations and tax year overviews, but it was last updated on 8 June 2020 and HMRC itself says to always check with the lender what it requires as evidence of income.

What if my SA302 and tax year overview show different figures?

The two come from the same return, so a mismatch usually means the return was changed or has not finished processing. GOV.UK lets you correct a return online within 12 months of the Self Assessment deadline, after waiting 72 hours from filing; your bill is then updated. Print both documents again once the amendment has gone through and give the lender the matching pair.