Answers · UK 2025/26
What is an SA302 form and why do I need it?
An SA302 is HMRC's official tax calculation summary for a self-assessment year. Mortgage lenders, letting agents and visa offices use it to verify your income. You can download it instantly from your HMRC online account -- no need to phone or wait.
Full answer
An SA302 is the standard HMRC tax calculation document produced after you submit a Self Assessment return. It shows your total income for the year, the tax and National Insurance charged, and any payments made. **Why it matters** Mortgage lenders require SA302s (typically for the last 2-3 tax years) as proof of income for self-employed applicants. Letting agents, visa applications and some benefit claims also accept them. Without an SA302, lenders cannot verify income that does not appear on a payslip. **How to get your SA302 online (fastest method)** 1. Sign in at gov.uk/personal-tax-account or the HMRC app. 2. Select 'Self Assessment' then 'View your return'. 3. Choose the relevant tax year. 4. Select 'Get your SA302 tax calculation' and download the PDF. **Via third-party software** If you filed through accounting software (e.g. FreeAgent, QuickBooks), the software can generate a compatible tax calculation. Most lenders now accept these alongside the HMRC version. **By post (slow -- avoid if possible)** You can write to HMRC requesting a printed SA302, but allow 4-6 weeks. The postal route is rarely needed since online access launched. **Tax overview vs SA302** Lenders often ask for both an SA302 (the calculation) and a 'tax year overview' (confirmation of what was actually paid). The overview is a separate download from the same HMRC online section and shows the balance owed or refunded. **2026/27 tip**: HMRC may not produce an SA302 until you have submitted your return for the year. If you are applying for a mortgage mid-year, you will normally provide SA302s for 2024/25 and 2025/26 -- ensure both returns are filed and any tax owed is paid, as lenders also check for outstanding liabilities.
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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.