Answers · UK 2025/26
How do I get a tax year overview from HMRC?
Log in to HMRC online, go to Self Assessment, and select the relevant tax year to download the 'Tax Year Overview' PDF. Mortgage lenders need this alongside your SA302 to confirm tax was actually paid. It takes about 2 minutes to download.
Full answer
A Tax Year Overview (TYO) is an HMRC document that shows your Self Assessment liability for a given tax year and confirms whether it has been paid. Mortgage lenders use it together with the SA302 calculation to verify that your tax affairs are in order. **Step-by-step: downloading your Tax Year Overview** 1. Go to gov.uk/personal-tax-account and sign in. 2. Select 'Self Assessment'. 3. Under 'Returns', choose 'Tax years'. 4. Select the year you need (e.g. 2024 to 2025). 5. Click 'Print your tax year overview' or download as PDF. **What the document shows** - Total tax charged for the year. - Payments on account made. - Any balancing payment or refund. - Penalties and interest (if any). - Outstanding balance at the time of printing. **Why lenders want both documents** The SA302 shows how much tax HMRC calculated you owe; the TYO shows how much you actually paid. Together they confirm both income level and that there are no large outstanding liabilities that could affect affordability. **Timing tip** HMRC updates the TYO in near-real time as payments are processed. If you have just made a payment and need the TYO for a lender, wait 24-48 hours after the payment clears before downloading, so the document reflects a zero or reduced balance. **If you filed via paper** You will need to request both documents by calling the HMRC Self Assessment helpline: 0300 200 3310. Allow up to 15 working days for postal copies. **2026/27 note**: For the tax year ending 5 April 2027, your TYO will not be available until after you have submitted your 2026/27 return (deadline 31 January 2028). For mortgage applications in 2026, you will typically need TYOs for 2023/24 and 2024/25.
Related guides
More answers
This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.