Swift Accountants
(Tax Calculation)
Proof of Income for Mortgages Get the right documents — explained clearly, with no jargon.
If you’re searching “SA302”, you’re usually trying to prove your income — most commonly for a mortgage, rental application, visa, or loan. HMRC calls this document your “tax calculation (SA302)” and it’s often used alongside a Tax Year Overview.
This guide explains what an SA302 is, what it shows, how to download it, why you might not be able to see it yet (the 72-hour rule), and the simplest next step if you want us to handle your Self Assessment and get everything organised for you.
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An SA302 is your Self Assessment tax calculation — often used as evidence of earnings for the last 4 years (once you’ve filed those returns).
HMRC also provides a Tax Year Overview for each year, and lenders often ask for both documents together.
Important: you may not be able to print or download your SA302 until up to 72 hours after you submit your return.
Also: check your mortgage provider accepts documents you print yourself.
Your SA302 shows:
– your total income on which tax is due
– any allowances and reliefs
– the total amount you owe for that tax year
– how the figure was worked out
Your SA302 does not show:
– payments on account you have made
– Budget Payment Plan payments
– other outstanding amounts (like unpaid tax or penalties)
Tip: This is one reason lenders often ask for the Tax Year Overview as well.
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You can usually get your SA302 and Tax Year Overview if you filed your return using:
– HMRC online services, or
– commercial software.
If you filed on paper, HMRC will send your calculation by post.
Remember: you may not be able to print/view it for up to 72 hours after you submit your return.
If you used HMRC online services
1) Log in to your HMRC online account.
2) Go to “Self Assessment”.
3) Choose “More details about your Self Assessment returns and payments”.
4) Follow the options to view/print your SA302 and the Tax Year Overview.
If you used commercial software (or your accountant filed for you)
You’ll usually need to print the tax calculation from the software — it may be labelled “tax calculation” or “tax computation”.
You can still print the Tax Year Overview from your HMRC online account.
A Tax Year Overview is a summary for a specific tax year in your HMRC account. Many lenders ask for it alongside the SA302 to support the same tax years.
If your lender asks for both, make sure you download the SA302 and Tax Year Overview for the same years.
“I can’t see my SA302 yet”
If you’ve only just submitted your return, wait up to 72 hours and check again.
“My mortgage deadline is close”
If you’re about to submit your return, save a copy of your calculation details before submission, then download the SA302 and Tax Year Overview after the waiting period.
“My lender won’t accept self-printed documents”
Some lenders have specific requirements. Check what format they need, and if you’re unsure, ask us — we’ll guide you to the right next step.
Want It Done Properly (Without the Stress)? If you’d rather not risk delays, missing documents, or last-minute panic, we can handle your Self Assessment tax return on a fixed fee — and help you get your SA302 and Tax Year Overview organised as soon as they’re available.
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An SA302 is your Self Assessment tax calculation — often used as proof of income for a mortgage.
You can usually get SA302 evidence for the last 4 tax years, as long as those returns have been filed.
You may not be able to view or print it until up to 72 hours after submitting your return.
In many cases, yes — but always check your mortgage provider accepts self-printed documents.
It shows your total income on which tax is due, allowances/reliefs, the amount owed for that year, and how the figure is calculated.
It doesn’t show payments on account, Budget Payment Plan payments, or other outstanding amounts such as penalties.
You’ll usually print the tax calculation from the software, and download the Tax Year Overview from your HMRC account.
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