Cashback Remortgages · Eligibility
SA302s and Tax Year Overviews Explained
Lenders often ask self-employed applicants for SA302 tax calculations and tax-year overviews. Knowing what they are and how to get them speeds up your application.
What they show
An SA302 (tax calculation) summarises your income and tax for a year based on your Self Assessment; a tax-year overview confirms the tax due and paid to HMRC. Together they evidence your declared income.
Lenders usually want two or three years, matching your accounts.
How to obtain them
You or your accountant can obtain them through your HMRC online account or Self Assessment software. Request them early so they are ready when the lender asks.
Sources and further reading
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.