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Requesting an SA302

Lucy Cohen
Updated

What is an SA302?

SA302 is the name many mortgage advisers and lenders still use for a Self Assessment tax calculation.

HMRC now generally refers to this as your SA302 tax calculation and your tax year overview, which are used as proof of earnings for things like mortgage applications.
https://www.gov.uk/sa302-tax-calculation

In simple terms, an SA302 style document is a summary of the income and tax figures that sit behind a Self Assessment tax return for a specific tax year.

Why do mortgage advisers and finance providers ask for it?

If you are self-employed or your income is not shown neatly on payslips, lenders often want evidence of income declared to HMRC.

In many cases, what they are really trying to see is:

  • the figures from your Self Assessment tax calculation for the year, based on your filed return

  • confirmation that the return has been processed by HMRC, shown by the matching tax year overview

HMRC specifically points mortgage applicants to the SA302 tax calculation and the tax year overview as the documents to use.
https://www.gov.uk/sa302-tax-calculation

What Mazuma provides instead

When we send you your tax return for approval, we also provide the tax computation.

This is the calculation that explains how the tax on your return has been worked out, based on the figures included in your Self Assessment return.

So if someone asks you for an SA302, in most cases you can provide:

  • the tax computation from the tax return pack we send you

  • the matching HMRC tax year overview, if they ask for HMRC proof as well

If you need another copy of your tax computation, you can ask us and we can resend it.

If they insist on an HMRC SA302

Some lenders specifically ask for an HMRC produced SA302 tax calculation, plus the HMRC tax year overview.

HMRC explains how to get these here:
https://www.gov.uk/sa302-tax-calculation

Tip: ask the adviser to confirm exactly what they need, because many will say SA302 when they mean the tax calculation and supporting evidence of filing.

What to send, in a quick checklist

If your adviser says “SA302”, ask whether they want:

  • a tax calculation or tax computation for the year

  • the matching HMRC tax year overview

  • how many tax years they need (often 2 or 3)

Then you can provide the tax computation we send with your tax return, and download the tax year overview from HMRC if required.

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