BM Solutions Update
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Mortgage lending policy - self-employed income evidence
To ensure you continue to comply with our policy that the most recent Tax Calculations and corresponding Tax Year Overviews are no more than 18 months old, please note that for all applications fully submitted from 4 October 2019 the latest Tax Calculations and Tax Year Overviews must be for tax year 2018/2019.

There’s no change to self-employed income verification and you should continue to follow the existing process.

Your clients may print their online Tax Calculations and Tax Year Overviews using the following process:

For Tax Calculations your clients should:
●          Log into their HMRC online account (go to
●          Select ‘Self-Assessment’ 
●          Follow the link ‘tax return options’ 
●          Choose the year from the drop down menu 
●          Follow the link ‘view calculation’ 
●          Follow the link ‘view and print your calculation’ 
●          Follow the link 'print your full calculation'. 

For Tax Year Overviews your clients should:
●          Log into their HMRC online account 
●          Select ‘Self-Assessment’ 
●          Follow the link ‘view account’ 
●          Follow the link ‘tax years’ 
●          Choose the year from the drop down menu and click the ‘Go’ button 
●          Follow the link ‘print your Tax Year Overview’. 

This applies to all applications submitted from Friday 4 October 2019.


If you have any queries about the above changes please contact your BDM.
Contact a BDM
View BM Solutions' website

Important information
If you do not have professional experience, you should not rely on the information contained in this communication. If you are a professional and you reproduce any part of the information contained in this communication, to be used with or to advise private clients, you must ensure it conforms to the Financial Conduct Authority´s advising and selling rules. Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.