How to Get SA302 from HMRC If you’re Applying for a Mortgage?

George13/04/2021Tax Issues

Nowadays, almost every lender will demand the SA302 form to find out your income and tax you have submitted in the past years. In this blog, we’d be exploring why lenders are asking for an SA302 form, and how to get SA302 from HMRC while applying for a mortgage. But before moving forward, you should first understand what is SA302?

Looking for affordable accounting and taxation services, approach CruseBurke!

What is the SA302 Form?

It is also called Tax calculation form. It is an official statement provided by HMRC that acts as evidence of your earning and tax for the last four years. It is issued after sending your self-assessment tax returns and shows how much tax you have overpaid or owe. It also shows the summary of your self-assessment. You might need this form as a self-employed person for availing mortgage.

We assist self-employed persons to achieve the best mortgage deal!

Why Lenders Need this Form?

Lenders need this form to verify the earning of the person who’s asking for a loan. As in past, people used to declare more income than they earn, this practice is known as mortgage fraud. This statement shows the accurate income of a person. So it is advisable to ask for this form from HMRC during the initial stage of a mortgage application.

How to Get SA302 from HMRC?

If you registered to HMRC as self-employed and submitted your (or your accountant) self-assessment tax returns. The SA302 form can be easily received online. Through this form, you get the calculation details of the tax and SA302 details, which are sufficient to satisfy your lender.

If you’re unable to get the SA302 form, just ask our accountant to solve your issue.

How to Get SA302 Form Online?

Log in to HMRC online account
Open Self Assessment
Go to more Self Assessment details
Select get your SA302 tax calculation
Print your full calculation
Choose the year you need from the menu of tax return
Open view your calculation
See and print your calculations

After 2017, HMRC no longer issues this form. Now you have to ask or call HMRC for getting the SA302 form.

How We Can Help?

Hopefully, now, you have got a clear idea of how to get the SA302 form while applying for a mortgage. Still, if SA302 is troubling you, your accountant can do this task on your behalf.

If you’re looking for an accountant, just let us know to avail the cheap accounting services in the UK. Our accountants use the best accounting software whereby they can generate an SA302 form. Therefore, it’s worth investing to take help of an accountant.

Can’t find what you are looking for? why not speak to one of our expert’s accountants in London and see how we can help you are looking for.

It’s time to say bye to your accounting worries with CruseBurke.

Disclaimer: This blog provides basic guidelines to get the SA302 form.

hmrc self assessment how to get sa302 online sa302 sa302 mortgage

self assessment registration for Directors

Self Assessment for Directors: Registration, Deadlines and Penalties

Smith26/09/2025Self Assessment Tax Returns

Directors hold a key portfolio and are known for multitasking. Directors usually get a salary, dividends, and other perks. These bring tax duties. Here comes into play the self-assessment registration for directors, to streamline their tax matters. This may look complex, yet it is an easy task with the knowledge of the steps. With self-assessment registration for directors, you will avoid fines. In this guide, you’ll get to know the step-by-step process of Self Assessment registration for Directors. It helps you determine whether you need to register, and helps you obtain your Unique Taxpayer Reference (UTR). Talk to our best accountants and bookkeepers in the UK at CruseBurke. You will get instant help on how to register for self-assessment as a director. What is Self Assessment Registration? Self-assessment is the one that deals with your tax returns. Here, you report your earnings for a specific year, and HMRC uses them. You calculate tax owed, and you pay it to HMRC. Directors face different rules. You get a salary through PAYE. Your employer may deduct tax. However, if you receive dividends, these are not taxed at the time of payment, but you must still declare them on your self-assessment tax return. The directors who get an untaxed income, like dividends, have to make self-assessment registration with HMRC before 5 October. Keep a proper record of your dividend income. Along with the registration, directors need to file their tax return with HMRC before 31 January. Then why bother? Compliance builds trust and prevents penalties. Late filing costs £100. Interest adds up, also. Self-assessment enables you to claim reliefs. You offset expenses and reduce your tax bill. When a Director Has to Register a Self-Assessment? You need to register for Self Assessment when: You get dividends: You must file a tax return if you receive dividends over £10,000 in a tax year. Even if you receive a smaller amount, you will still have to pay tax on any dividends above the £500 tax-free allowance. You get other income that has not been taxed: This includes rental income from a property. You are a sole trader or partner as well as a director: This requires you to file a Self Assessment. HMRC asks you to: If HMRC sends you a notice to file a tax return, you must follow it. When to Register for Self Assessment? Timing is important for Self Assessment registration. You need to register by 5 October after the tax year when you earned untaxed income. The UK tax year runs from 6 April to 5 April the following year. For example, if you need to file a tax return for the 2024–2025 tax year (from 6 April 2024 to 5 April 2025), you will need to register by 5 October 2025. If you miss the deadline, HMRC could charge you a penalty. Hence, it’s best to register early to avoid any problems. A Step-by-Step Guide to Self-Assessment Registration for Directors Registering for Self Assessment is straightforward and can be done online. You’ll need to use the UK government website (gov.uk) to begin. If You Are New To Self Assessment 1. Gather your information: Before you start, have the following details ready: Your National Insurance number Your full name and address Your date of birth The date you became a director 2. Go online: Search for “Register for Self Assessment” on the Gov.uk website. 3. Create a Government Gateway account: If you don’t have one, you will be prompted to create a new Government Gateway account to access the service. 4. Register as a company director: During the process, you will be asked the reason for your registration. Select “You are a company director” and follow the on-screen instructions to provide the information you gathered in step 1. If You Are Already Registered For Self Assessment If you have filed a Self Assessment tax return before, there’s no need to register again. When you complete your annual tax return, you just need to include your directorship income and benefits. Get your UTR number Once you have completed the online process, HMRC will send you a letter containing your Unique Taxpayer Reference (UTR) number. This is a 10-digit number that identifies you for tax purposes. The letter usually arrives within 10 working days, though it can take longer. Once you have your UTR, you can create your online account using the Government Gateway and file your tax return. Create Your Online Profile You will have already created a Government Gateway account during the initial Self Assessment registration process. The purpose of this step is to add the Self Assessment service to your account now that you have your UTR. How to set up your online access: After you have completed your online registration, HMRC will send you a letter. The letter will contain your Unique Taxpayer Reference (UTR) number. Go to the Gov.uk website. And sign in to your Government Gateway account using the 12-digit Government Gateway User ID and password you created earlier. Once signed in, you will be able to add the Self Assessment service to your account. You will need to input your UTR number to link your tax reference to your online profile. HMRC will then send a separate activation code by post. This code is an extra security measure. Log back into your Government Gateway account and enter the activation code when prompted to complete the setup. Once activated, you can begin preparing and filing your Self Assessment tax return online. Common Errors to Avoid in ‘Self Assessment Registration for Directors’ Forgetting the registration deadline, which is 5 October. Missing the January 31st deadline for submitting your online tax return results in an immediate £100 penalty, even if you owe no tax. Forgetting to budget for and pay your second tax instalment by the July 31st deadline. Neglecting to declare income not taxed through your payroll (PAYE), such as rental income, freelance earnings, or capital gains from selling assets. Assuming dividends are tax-free. Dividends over the …

common self assessment mistakes

What are the Most Common Self Assessment Mistakes?

George04/03/2025Self Assessment Tax Returns

Most self-employed beginners make some common self-assessment mistakes that lead to penalties. Self-assessment tax return filling is a necessary step if you are self-employed in the UK. However, the most crucial thing is to ensure accuracy in filling out the self-assessment tax return to prevent the penalty by HMRC. In this article, you will not only know about the common self-assessment mistakes but also that their solution is also provided that ensures your business growth and success. Talk to our best accountants and bookkeepers in the UK at CruseBurke. You will get instant help about common self-assessment mistakes. What are the Common Self-Assessment Mistakes? There are some common self-assessment mistakes that you must be aware of for running a business smoothly. Additionally, analyse the solution to all these errors that ensure the right alignment for standing out the business. Read them carefully and prevent yourself from penalty. Not Keeping Proper Records The top mistake in tax filing is not keeping all records of income and expenses accurately. If you forget all the vital financial details, it may lead to incorrect tax filing. The cause of errors is that you may miss important information about the financial cases to add in the filing. Strategies to adopt: Following are some strategies enlisted for this mistake of tax filing: Must use spreadsheet and accounting software for all the financial information. Consistent and regular updating also helps you keep records of all earnings and expenses. Hiring an accountant is also a good strategy to ensure the collection and recording of all financial data. Confusion about Allowable Expenses Paying tax is affected due to misinterpretation of the valid business expenses by many self-employed. Simply incorrect claims of personal expenses lead to errors in the filling. Strategies to adopt: You can adopt these strategies for filling out the tax to prevent these types of errors. You must be aware of all the expenses that HMRC allows. If you are not sure about your expenses, go through the guidelines of the HMRC. Record the expenses efficiently and go for consultation with an expert in financial management and tax filing. Missing Deadlines Filing tax returns on time is very crucial because missing the deadline leads to penalties. Missing the deadlines is one of the most common self-assessment mistakes that causes you to pay extra charges and impact the business cash flow. Strategies to adopt The best strategies to fix this self-assessment mistake of missing deadline are the following: Use a calendar to mark all the tax deadlines to never forget the tax submission date. Reminders in advance for the tax filing dates also ensure that you fulfill the HMRC requirements deadlines. Collaborate and build consensus with accountants to not miss the deadlines. Not Claiming Tax Relief and Allowances Many self-employed individuals pay more tax because they are not aware of how to take advantage of the available tax reliefs and allowances. The tax liabilities can be reduced through two different ways: 1) pension contribution deduction and 2) inventory allowance. But due to the lack of knowledge about it and the uncertainty of their eligibility, it becomes the reason to overlook these advantages. Understanding these reliefs is important to manage all the finances and comply with the tax laws. So, instead of overpaying, is it best to be aware of all the updates on tax reliefs provided by the HMRC? Strategies to adopt Preventing this mistake is very important for sustaining your financial cash flow in the business. For this, you should follow the below-mentioned tips that can prevent you from overpaying. Keep updated about the new tax laws and regulations because every year, HMRC provides new tax reliefs and allowances. Consultation with the expert individual helps you to save money and predict all the financial deductions accurately. Tax professionals can also help you to understand your financial situation and offer the best strategies for managing tax. Forgetting to Declare Other Income Most people do not inform about other sources of income, such as investment, online earning, or second jobs; this tax leads to unavoidable tax bills and penalties. So, forgetting to declare multiple sources of income is also a common mistake while running businesses. Hence, all earnings from different sources, including a secondary job, investments, and online income, need to be reported to the government to prevent tax problems. To stay compliant, first check what income needs to be reported based on HMRC guidelines. Using HMRC’s checking tool can help determine your tax obligations quickly and accurately. Keeping clear records of all earnings and consulting a tax professional when needed ensures you file correctly and avoid unnecessary fines. Proper tax reporting keeps your finances in order and stress-free. Strategies to adopt: To stay compliant and avoid this mistake, you should use these strategies: Learn all the guidelines provided by HMRC to mention which source of income or not for fulfilling the government requirement. Determination of tax obligation is crucial for this; use HMRC checking tools to ensure accuracy. Consultation with the tax professionals and recording all the financial information help you in accurate filing. Tax reporting on time is also considered the best approach that eliminates your stress regarding financial management. No Government Gateway User ID A significant number of individuals overlook the necessity to sign up for Government Gateway accounts since they also lose their user IDs. Your inability to file the self-assessment tax return becomes inevitable once you do not have this account because delays near the deadline could earn you a penalty fee. Basically, the Government Gateway serves as an identity authentication system for HMRC services, where self-assessment functions among these services. A Government Gateway user ID is a necessary requirement for starting account setup. You can register by visiting the HMRC website, where they will need your National Insurance number, your UK address, recent pay stubs or P60s and a supported UK passport. The activation code will be sent to your registered address through postal mail by HMRC, and the delivery may require …