Print SA302’s from your online Self Assessment Account!

Self Assessment documents to support loan and mortgage applications.

Buying a house and applying for a mortgage can be a stressful time. If you complete a Self Assessment you will need to get SA302's from the HMRC to prove your earnings for the years your mortgage company need. This can be up to 3 years.

Historically you would need to call the HMRC and ask for them to send you a printed copy for your lender. This cannot be emailed or faxed so relies on the HMRC post, which can take anything up to two weeks.

To help make this process easier, the HMRC have been working with the Council of Mortgage Lenders to improve their online documents. In particular, they have improved the Tax Calculation (SA302) and Tax Year Overview so that lenders can consider accepting them as evidence of income returned to HMRC for loan or mortgage purposes.

Adding the Tax Year Overview as evidence addresses the Financial Conduct Authority's concerns about the robustness of the Tax Calculation. The new process is still embedding. Some lenders will accept copies of the online documents while others will ask for original paper copies. For now, it's probably best to check with the lender what they accept to avoid any unnecessary delay or confusion.

The new process

If the lender asks for copies of online documents, you will be able to print them from the online account without having to contact the HMRC. To access and print the Tax Calculation (SA302) and Tax Year Overview, you need to be registered for HMRC Online services.

If you send tax returns using:

  • HMRC software, you can print both documents from HMRC Online Services
  • Commercial software, you can print the Tax Year Overview from HMRC Online Services, but you need to use your own software to print the Tax Calculation.

If you can't access and print online documents or the lender asks for paper copies, contact HMRC Self Assessment Helpline and they will send them to you.

Printing your Tax Calculation (SA302)

You can currently view and print up to 3 years Tax Calculations, but this will increase to 4 years from April 2016.

  1. Log in to your online account.
  2. Follow the link 'tax return options'.
  3. Choose the year from the drop down menu and click the 'Go' button.
  4. Select the 'view return' button.
  5. Follow the link 'view calculation' from the left hand navigation menu.
  6. Follow the link 'view and print your calculation' at the bottom of the page.
  7. Follow the link 'print your full calculation'.

Printing your Tax Year Overview

  1. Log in to your online account.
  2. Follow the link 'view account'.
  3. Follow the link 'tax years' from the left hand navigation menu.
  4. Choose the year from the drop down menu and click the 'Go' button.
  5. Follow the link 'print your Tax Year Overview'.

You must wait 72 hours after fully sending a tax return until you can print your documents. Your accountant can do this all for you, as long as your grant them permission to act as your agent.

Print SA302's online. Any questions please contact Buckleys, we'll be happy to help.

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