SA302 Form – Complete Guide to Your HMRC Tax Calculation
If you file a self assessment, you may be asked to provide proof of your income. This is where the SA302 form comes in. The SA302 HMRC document is an official tax calculation showing your total income, tax paid, and any outstanding amounts. Lenders such as banks and mortgage providers often request it.
At Audit Consulting Group, we help clients get their SA302 from HMRC, understand the numbers, and use the document for applications or compliance.
What is the SA302 Form?
The SA302 form is a tax calculation document automatically generated from your self assessment tax return. It summarises:
- Total income declared on your SA100 and supplementary forms (like SA103).
- Allowances and reliefs claimed.
- Total tax due.
- Tax already paid (e.g., via PAYE).
- Balance outstanding or overpayment.
It’s commonly referred to as the self assessment SA302 or tax return SA302.
Official HMRC guidance: SA302 tax calculation
When Do You Need the SA302 Document?
The HMRC SA302 form is typically required when:
- Applying for a mortgage or loan (lenders use it as proof of income).
- Providing evidence of self-employed earnings.
- Confirming income for visa or residency purposes.
- Reconciling discrepancies in your tax return.
How to Get SA302 from HMRC
There are several ways to obtain the SA302 form:
- Online (recommended) – Log into your HMRC online account and print your SA302 tax calculation.
- HMRC online services – https://www.gov.uk/log-in-register-hmrc-online-services
- Through your accountant or tax agent – if they filed your return on your behalf.
- Request by phone – call HMRC and ask them to post the SA302 document.
Example of SA302 Form
An SA302 example PDF will usually contain:
- Your name, UTR, and NI number.
- The tax year covered.
- Income from employment, self-employment, property, and dividends.
- Adjustments such as expenses or reliefs.
- Total taxable income.
- Income tax and National Insurance contributions due.
- Payments made and balance owed or refunded.
👉 See an official HMRC SA302 example here: https://www.gov.uk/sa302-tax-calculation
Common Mistakes and Problems
- Incorrect figures – if your SA100 or SA103 forms were wrong, the SA302 will also be wrong.
- Delays – paper submissions can take weeks before an SA302 is available.
- Misunderstanding the numbers – many people confuse gross income with taxable income.
- Mortgage lenders refusing printouts – some banks want official HMRC copies, not online PDFs.
Case Studies – How We Helped Clients
Case 1 – Mortgage Approval
Michael, a contractor, needed three years of SA302 forms for a mortgage. His online account only showed two. Our team requested missing documents from HMRC and ensured the lender accepted them.
Case 2 – Visa Application
Anita applied for a UK residency visa. She needed to prove her earnings with the SA302 HMRC form. We helped her obtain certified copies and explained the breakdown for the Home Office.
Case 3 – Tax Reconciliation
James thought he overpaid tax. Using the tax return SA302, we spotted unclaimed reliefs, corrected his self assessment, and secured him a refund.
FAQs – SA302 Form
Q1: What is the SA302 form used for?
It is proof of income and tax calculations based on your self assessment return.
Q2: Can I download my SA302 online?
Yes. You can print or download the SA302 directly from your HMRC online account.
Q3: How many years of SA302 do lenders usually ask for?
Most mortgage lenders request 2–3 years of SA302 documents.
Q4: Is the SA302 the same as the tax return?
Not exactly. The tax return is what you file; the SA302 tax calculation is HMRC’s summary of it.
Q5: What happens if my SA302 is wrong?
You must correct your original self assessment return first, then regenerate the SA302 form.
Why Choose Audit Consulting Group?
Getting the SA302 from HMRC may sound simple, but errors or missing documents can cause delays with banks, visas, or official processes.
At Audit Consulting Group, we:
- Help you access your SA302 HMRC form quickly.
- Correct mistakes in your tax returns so your SA302 is accurate.
- Provide support if lenders or agencies reject your document.
- Save you time and stress by dealing with HMRC on your behalf.
👉 Contact Audit Consulting Group today – we’ll make sure your SA302 form is correct, complete, and ready when you need it.
