How to Download a Tax Year Overview from HMRC (For Mortgage Applications)

If you're applying for a mortgage and you're self-employed, your lender may ask for a Tax Year Overview (TYO) from HMRC. This document shows how much tax you've paid for a given year — and helps the lender verify your income. Here's how to get it:

Log in to your HMRC account

Step 1: Log in to Your HMRC Account

➝ Visit the HMRC login page.

➝ Enter your Government Gateway ID and password.

➝ You’ll land on your personal tax dashboard.

HMRC dashboard

Step 2: Navigate to 'Self Assessment'

➝ Select “Self Assessment” from your account dashboard. (If you’re registered for Self Assessment, this option will be available).

tax return options

Step 3: Click 'View Self Assessment return for tax year x - x'

➝ Click on "View Self Assessment return" for the relevant tax year.

➝ This will display your submitted tax returns and other options.

tax year summaries

Step 4: View Your Tax Year Overview


➝ Choose the relevant tax year from the dropdown menu

➝ Click 'Go'.

print your tax return

Step 5: Follow These Next Steps

➝ Select 'Print your tax year overview'

➝ From the printing options pop-up, choose your destination printer as 'Print to PDF'

➝ Choose your preferred file destination to save the document to.

➝ Repeat for additional tax years.

store your tax return

Step 6: Keep a Copy for Your Records

It’s wise to keep a backup copy of your tax year overview in your records, especially if you’re using it to apply for a mortgage or loan.

Need help gathering the right mortgage documents?

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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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