I have often wondered why lenders ask for tax year overviews as they only show tax and not income.
However they also show payments on account due, so a 2018-19 tax year overview has the POAs based on 2017-18 even though no tax return has been submitted. So a borrower could provide this to a lender even if there is no tax or certainly a different amount of tax once the tax return has been submitted.
Unless I am missing something, it doesn’t say if it is based on a submitted tax return. Surely the use of these could mean a borrower could mislead a lender?