How to get your SA302 Tax Calculation

As a self-employed mortgage applicant, the only difference you’ll usually experience when it comes to getting a mortgage, is how you go about proving your income. In the absence of traditional payslips, the SA302 form is usually lenders’ preferred method.

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What Is an SA302 Form?

An SA302 form (or Tax Calculation) is issued by HMRC (Her Majesty's Revenue and Customs). It’s an official tax calculation based on your Self Assessment tax return for the previous financial year(April 6th to April 5th).

It plays a crucial role in a self-employed mortgage application, as it provides evidence of your income. It performs the same function as a payslip does in proving employed income, however, you’ll typically need to provide a much longer history of self-employed income. 

While some lenders may accept certified accounts, accountants often also obtain the SA302 form on your behalf, due to its widespread acceptance in the mortgage application process.

How do I obtain my SA302 tax calculation?

If you’re registered as self-employed with HMRC and have either personally submitted your Self Assessment tax return or had your accountant do so, you can access your SA302 form online. They are no longer provided in hard copy, so online is the only option to retrieve them.

HMRC provides access to tax calculations and SA302 details for the past 4 years - most lenders ask for 2-3.

Here's how to retrieve your SA302 form online:

  • 1.

    Log into your HMRC online account.

  • 2.

    Navigate to the Self Assessment section.

  • 3.

    Select "More Self Assessment Details."

  • 4.

    Choose "Get Your SA302 Tax Calculation."

  • 5.

    Opt to "Print Your Full Calculation."

  • 6.

    Select the desired tax year from the Tax Return Options menu.

  • 7.

    Click "View Your Calculation."

  • 8.

    Finally, click "View and Print Your Calculation."

Once you’ve obtained your SA302 form, you can easily upload it to your MyMojo account. The MyMojo platform can verify and submit the form to a lender for you when you’re ready to initiate the mortgage application process through your mortgage broker.

SA302 FAQs

The SA302 form comprises two essential sections:

Tax Calculation - a summary of your Self Assessment, detailing your total earnings and associated tax liabilities

Tax Overview - an overview of your current tax payment status

While the Tax Calculation holds more significance when applying for a mortgage, some lenders may also request the Tax Overview.

Yes, your accountant can serve as your representative and access the SA302 form on your behalf. Many accountants also employ commercial software capable of generating the SA302 Tax Calculation form.

You can typically download the form after filing your Self Assessment for the tax year, which runs from April 6th to April 5th.