How to download your tax calculations and tax year overviews (2025)
If you're self-employed, a company director, or earn income outside of PAYE, you may be asked by lenders or mortgage brokers to provide your Tax Calculations and Tax Year Overviews as proof of income. Here's a simple guide to help you access and download these documents from HMRC.
So, What Are These Documents?📄
Tax calculations (formally known as SA302s): A summary of your income and tax liability based on the Self Assessment tax return you submitted.
Tax Year Overview (TYO): Confirms the amount of tax due and any payments you've made to HMRC for a given tax year. These become available automatically on the HMRC portal once your tax return has been submitted (usually available a few days after submitting your tax return)
Together, these documents are used by banks, mortgage lenders, and brokers to verify your income when assessing your eligibility for credit or loans.
How to Access These Documents from HMRC💻
If You File Your Own Tax Returns via HMRC Online…
You can get both the tax calculations and tax year overviews from your HMRC online account. Follow these steps:
1. Log In
Go to www.gov.uk and log in to your personal HMRC account using your Government Gateway credentials.
2. Access Self Assessment
Once logged in, click on "Self Assessment".
Then, click "Get your SA302 tax calculation " and “View your tax year overview” and select the years you wish to download.
💡 Top tip: Make sure the tax figures on your tax calculations and tax year overview match exactly for each tax year, otherwise the lender may request further information or evidence
If You Use Tax Software (e.g. FreeAgent, QuickBooks, Xero)…
If you submitted your tax return through commercial accounting software:
You won’t see the tax calculations on HMRC’s website.
Instead, use your software to generate your tax calculation report or request this from your accountant.
Then, log in to HMRC separately to download your Tax Year Overview, following the steps above.
Why These Documents Matter 📂
Most lenders ask for two to three years' worth of Tax Calculation and matching Tax Year Overviews when assessing income from:
Self-employment
Dividends
Rental income
Contractor/freelance work
Having them ready can speed up your mortgage application and avoid unnecessary delays.
Need Help?💭
At Celtic Finance, we understand that HMRC’s portal isn’t always straightforward. If you're unsure where to begin, or if you’d prefer us to liaise directly with your accountant or guide you with navigating the HMRC portal on your behalf, we're always happy to assist.
📧 Get in touch at info@celticfinance.co.uk or speak to your dedicated advisor today.
Stay Prepared, Stay Approved ✅
Taking a few minutes to download your Tax Calculations and Tax Year Overview now can save you time and will help your broker to immediately begin assessing affordability.
Let us know if you'd like a step-by-step walkthrough, and we’ll guide you through it!
📞 Call us on 0800 1244 566, or WhatsApp us on 07537 141 209 if you need a hand with obtaining documents, or assistance in obtaining a mortgage. We’re always happy to help!
