Lenders often want the latest year — and sometimes the year before — as proof of income.
In short
An SA302 is HMRC’s tax calculation for a Self Assessment year — income, tax and related figures in a standard layout. Mortgage lenders often ask for it. Self Assessment Software produces an SA302-style estimate and detailed schedule from your return; that is not an official HMRC SA302 until HMRC issues one after filing.
Why people ask for an SA302
Brokers and underwriters use a familiar HMRC-style calculation to evidence income.
PAYE alone is not enough when profit comes from trading or property.
Practices share a clear calculation with the client before filing or for lending packs.
Seeing tax and income in one summary helps catch mistakes before you submit.
Official SA302 vs an estimate
Be precise with lenders — wording matters.
Issued by HMRC after they process the return. That is the document many lenders prefer when available.
Built from the same return boxes in Self Assessment Software, clearly labelled as an estimate — not an HMRC original.
Shows how figures build. Underwriters often ask how turnover became taxable profit.
Do not tell a lender an estimate is an official HMRC SA302. Offer the estimate plus schedule, or HMRC’s document when you have it.
In our product
Where to get it in Self Assessment Software
Reports sit next to the return for that tax year.
- Complete the return Finish the SA100 and any supplementary pages so the calculation has the right inputs.
- Run the combined calculation Preview tax, NI and related charges before you generate reports.
- Open reports Produce the SA302-style estimate and detailed schedule for that client year.
- Print or save PDF Use the browser print/save flow. Keep both estimate and schedule for lending packs.
Handbook
Related guides
The main return the calculation is built from.
31 January online filing date.
Calculation, reports and filing desk tour.
Steps from draft to HMRC submit.
FAQs
SA302 — questions answered
What is an SA302?
An SA302 is HMRC’s tax calculation summary for a Self Assessment year. It shows income and tax in a standard layout. Mortgage lenders often request it as proof of income.
Is a software SA302 the same as HMRC’s?
No. Only HMRC’s own SA302 is official. Self Assessment Software produces an SA302-style estimate from your return boxes, clearly labelled, plus a detailed schedule.
Will a mortgage lender accept an estimate?
Some lenders accept a clear software calculation and schedule; many prefer HMRC’s document once the return is processed. Ask the broker what they need for your case.
How many years of SA302 do lenders want?
Often the latest year and sometimes the previous year. Requirements vary by lender and applicant type.
Can I get an SA302-style report before I file?
Yes. Complete the return in Self Assessment Software and open reports for that tax year. Filing is separate — prepare free, pay when you file.
Prepare free
Need a clear tax calculation for your return?
Prepare the SA100 free, preview the estimate and schedule, then file when ready.