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SA302 and Tax Year Overview Guide
What the SA302 and tax year overview are, how to get both from your HMRC online account, and what to check before you send them to a mortgage lender or landlord.
What’s Included
- What each document shows and where to get it.
- Step-by-step route through your HMRC online account.
- Four checks to make before sending to a lender.
- A lender-ready checklist so you are not chasing HMRC mid-application.
Why This Matters for 2026/27
- Mortgage lenders rarely accept a bare SA302 on its own, so the tax year overview matters.
- Neither document exists until your return is filed, so a late filer can delay a mortgage application.
- A mismatch between your accounts and your SA302 is one of the most common reasons for lender questions.
Frequently Asked Questions
An SA302 is HMRC's tax calculation summary for a Self Assessment return. It shows your income, tax and National Insurance as calculated from the return you filed.
It is an HMRC statement for a tax year that shows the tax due and the payments HMRC has received. Lenders use it to confirm the SA302.
No. Both documents are produced from a filed return, so file first. If you need them for an application, do not leave your return to the last minute.
It varies by lender, but two or three years is typical. Ask your lender or broker which years they need.