Most Lenders now accept copies of SA302 tax returns and tax year overview downloaded from HMRC Gateway online tax return submission service.
However, we find that our clients frequently have trouble navigating the HMRC website and obtaining copies of the required documents in the required format.
This guide is designed to make it simple to obtain what you need from HMRC Gateway where you as the taxpayer are accessing HMRC Gateway via your own log-ins.
If you sent your return using commercial software or by paper you can’t print a copy of the tax calculation from this account but you can print the tax year overview.
If you used commercial software to send your return, you must use that software to print your tax calculation
Most Lenders will require 3 years figures so it is best to print out SA302’s and Tax Year Overviews covering the last 3 completed returns.
Lenders like data to cover a period finishing no longer than 15 months from the mortgage application date. Therefore an application late in the calendar year may well need returns
provided covering the tax year ending in the year of application.
Can be a problem before you start.
You log into HMRC Gateway with user ID and password
As you progress an ‘Access token’ number will be texted to your phone as the final item to enter to confirm your identity.
Accessing and printing your SA302s
How to print out your tax year overviews
Need help with your self-employed mortgage or re-mortgage?
We can help.
A Mortgage Now are independent, whole of market, mortgage brokers. We provide
mortgage advice across the whole of the UK and work exclusively over the internet and
telephone which means:
- No meetings
- No paperwork
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We specialise in mortgage applications for the self-employed.
Further information on self employed mortgages
- Chasing HMRC
- Common issues for self-employed mortgage applicants
- How to get an SA302
- Instructions to access your SA302 online | PDF
- New Mortgage for the Self Employed supports UK enterprise
- SA302 and Tax Returns
- SA302 data online from .gov.uk or Accountant’s software
- SA302’s are not necessary for mortgage applications – avoid the aggravation
- Self employed mortgages and mortgage lenders
- Self Employed Mortgages and Trading Styles