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. This document confirms your declared income for each tax year and helps the lender verify your figures.

Follow the steps below to download your Tax Year Overview correctly.

Step 1: Log in to Your HMRC Account

1. Visit HMRC’s login page and sign in using your Government Gateway ID and password.

2. Navigate to your personal tax account dashboard.

Step 2: Navigate to ‘Self Assessment’

Select ‘Self Assessment’ from your dashboard. If you’re registered for Self Assessment, this section will be available.

Step 3: Click ‘View Self Assessment Return’

Select ‘View Self Assessment return’ for the relevant tax year. This page will show your submitted returns and associated documents.

Step 4: View Your Tax Year Overview

Choose the correct tax year from the dropdown menu, then click ‘Go’ to load your Tax Year Overview.

Step 5: Follow These Next Steps

• Scroll to the bottom of the page and choose ‘Print your Tax Year Overview’.

• When the print window appears, select ‘Print to PDF’ or ‘Save as PDF’.

• Save the document to your device — lenders require the official PDF version.

• Repeat for additional tax years if needed.

Step 6: Keep a Copy for Your Records

Always keep a backup copy of your Tax Year Overview — lenders may request it more than once during your assessment.

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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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