What is an SA302 form?

An SA302 is an HMRC document showing your income and tax paid for a tax year. Self-employed people use it to prove income for mortgage applications. Get it online via your HMRC account or request by post. Most lenders need SA302s plus tax year overviews for the last 2-3 years.

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What is an SA302 form?

An SA302 is a tax calculation summary from HMRC that shows your income and tax paid for a specific tax year. Self-employed mortgage applicants use it to prove their income to lenders.

How do I get my SA302 form?

Log into your HMRC online account, go to Self Assessment, click 'More Self Assessment details', then 'Get your SA302'. You can view and download SA302s for the last 4 years. Alternatively, call HMRC to request by post.

How long does it take to get an SA302?

Online: immediate download. By post from HMRC: 10 working days. Your accountant can also print them from their agent portal immediately if they have online access.

Do I need a tax year overview as well as SA302?

Yes. Most mortgage lenders require both your SA302 AND tax year overview for each year. The tax year overview confirms your tax has been paid and matches your SA302.

How many years of SA302 do I need for a mortgage?

Most lenders require 2-3 years of SA302 forms. Some specialist lenders accept just 1 year. The more years you can provide, the more lender options you'll have.

Can I use accountant-certified accounts instead of SA302?

Some lenders accept accountant-certified accounts, but most now prefer or require SA302 forms directly from HMRC. Always check with your lender or broker which documents they need.

Quick Answer

How Do I Get an SA302 Form for My Mortgage?

Last reviewed: December 2025

Reviewed by Jay Sabine – CeMAP Qualified – 29 years experience

Log into HMRC online, go to Self Assessment, click 'More Self Assessment details', then 'Get your SA302'. Download for the tax years needed. Most lenders require 2-3 years of SA302s plus matching tax year overviews.

SA302 forms are essential for self-employed mortgage applications. They're official HMRC documents confirming your declared income and tax paid. Lenders use them to verify your income alongside tax year overviews, which confirm your tax position is up to date.

Key Points

1Available online via HMRC account
2Shows income and tax for each tax year
3Most lenders need 2-3 years
4Tax year overview also required
5Can request by post (10 days)
6Accountant can access via agent portal

Eligibility Criteria

Must have filed Self Assessment tax returns
Returns must be submitted and processed
Tax year must be complete
Need HMRC online account access

Typical Timeframe

Online downloads are instant. Postal requests take 10 working days. Ensure your most recent tax return is filed before applying for a mortgage.

Next Steps

1Log into HMRC and download SA302s
2Download matching tax year overviews
3Check figures match your records
4Speak to a self-employed mortgage specialist
5Get documents ready before applying

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How Do I Get an SA302 Form for My Mortgage?

Key Points

Eligibility Criteria

Typical Timeframe

Next Steps

Related Questions

How to Get Your SA302 Online

Log into HMRC online

Go to Self Assessment

View your tax years

Download or print

Common SA302 Issues and Solutions

SA302 not available online

Tax year overview doesn't match

Only 1 year of accounts

Income dropped recently

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