How to Find and Download Tax Documents for a UK Mortgage

09-August-2021
09-August-2021 13:27
in Mortgage
by Sam Hodgson
How to Find and Download Tax Documents for a UK Mortgage

If you are self-employed and applying for a mortgage, then you'll need to find and download the right tax documents for your application.

Your mortgage lender will need proof of your income for at least the last two years, and they will usually only accept the following HMRC tax documents:

  • SA302 (Tax Calculation)
  • Tax Year Overview

It's important to have these documents to hand before you make your application, as it can drastically speed up the process.

What is an SA302?

An SA302, or tax calculation, is a document that breaks down your earnings for a given tax year based on your Self Assessment for that year.

For mortgage purposes, it proves to a lender how much you have earned and paid tax on in a previous year. This assures them that you will earn similar amounts in future years, and so you will likely be able to keep up with your mortgage repayments.

You can either download a PDF copy through your HMRC online account, or you can request a copy in the post by calling HMRC’s helpline on 0300 200 3310.

Keep reading below for a step-by-step guide on how to download these documents via your HMRC online account.

What is a Tax Year Overview?

Your tax year overview summarises your tax calculations for a particular tax year and supports your SA302 as evidence of your earnings.

Your mortgage lender will use your tax year overview to cross-reference the information on your SA302, ensuring it is correct and legitimate.

As with your SA302, you can either download a PDF copy through your HMRC online account or request a copy in the post by calling 0300 200 3310.

How do I download my SA302?

  • Log in to your HMRC online account, here
  • Click ‘Self Assessment’ - note that you will be taken here automatically if you are only registered for Self Assessment purposes
  • Click ‘Get SA302 Tax Calculation', as per the below screenshot:

how to download sa302 forms

  • Click ‘Continue to your SA302’
  • Click ‘View your Calculation’
  • Look for the ‘Print this page’ button: printer symbol
  • Depending on your PC, either right-click and 'Save as PDF', or select ‘Save as PDF’ from your printer options drop-down menu and click ‘save’.
  • If on mobile, tap to save a copy to your phone’s downloads folder
  • Save it to a folder that you can locate easily

How do I download my Tax Year Overview?

  • Log in to your HMRC online account, here
  • Click ‘Self Assessment’- note that you will be taken here automatically if you are only registered for Self Assessment purposes
  • Click ‘View Self Assessment return' as per the below screenshot:

government online account page

  • Choose a tax year from the drop-down menu and click ‘Go’
  • Look for the ‘Print this page’ button: printer symbol
  • Depending on your PC, either right-click and 'save as PDF', or select ‘save as PDF’ from your printer options drop-down menu and click ‘save’.
  • If on mobile, tap to save a copy to your phone’s downloads folder
  • Save it to a folder that you can locate easily

Need some help?

Our Mortgage Brokers at Clifton Private Finance will find the best mortgage for you. 

We scour the market for the best available rates and help you through your application process every step of the way. 

Call us now on 0117 959 5094

Or, type your question into the 'Contact Us' Form below and we'll get back to you. 

0117 959 5094 

 

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