How to Download Your Tax Calculation (SA302)

Updated February 2026

Most mortgage lenders require your SA302 (Tax Calculation) along with your Tax Year Overview to verify your income. Together, these documents confirm the figures submitted through your tax return and show whether HMRC agrees with them.

This guide walks you through downloading your SA302 quickly and correctly from your HMRC online account.

Step 1: Log in to Your HMRC Account

Start by logging into your online HMRC account via the Government Gateway. You'll need your user ID and password.

Step 2: Navigate to ‘Self Assessment’

Once logged in, go to your Self Assessment section. If you are registered for Self Assessment, this option will appear on your account homepage.

Step 3: Select ‘Get your SA302 tax calculation’

Within the Self Assessment area, select “More details about your Self Assessment.”. This will show you your submitted tax returns and other options. From here, click"Continue to your SA302"

Step 4: Follow These Next Steps

Scroll to the bottom of the screen and select 'Print your full calculation'
From the printing options pop-up, choose your destination printer as 'Print to PDF' and choose your preferred file destination to save the document to.

Step 5: Keep a Copy for Your Records

Once downloaded, save a copy to your files. Mortgage lenders may request both your SA302 and Tax Year Overview as part of verifying your income.

Need another tax guide? Download your Tax Year Overviews here or See how to submit your tax return.

SA302 FAQs

Common questions about SA302 tax calculations and how they’re used for mortgage applications and other finance.

An SA302 is your official tax calculation from HMRC. It summarises your declared income and tax liability for a specific tax year. Mortgage lenders use it to verify self-employed income.

Most lenders request one to two years of SA302s, although some may require more depending on your trading history and income stability. Requirements vary by lender.

Usually, yes. Mortgage lenders often request both your SA302 and your Tax Year Overview to confirm the figures match. If you need help downloading that document, see our guide: How to download your Tax Year Overview .

If your return was submitted recently, HMRC may still be processing it. If your accountant files your return, you may need to request the document through your HMRC online account or ask them for a copy.

Yes, many accountants can generate a tax calculation that looks similar to an SA302. However, some lenders specifically require the official HMRC version downloaded directly from your account.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

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