If you are getting ready to submit your tax return in Spain, there is one detail that could quietly reduce what you pay. From April 8, when the 2025 income tax campaign opens, some homeowners will be able to deduct part of their home insurance. The catch is that not everyone qualifies, and many people miss it simply because they assume it does not apply to them.

This is not a new benefit, but it is one that still catches people out every year. If you bought your home under certain conditions and still have a mortgage, there is a good chance you could be eligible without even realising it.

Who can actually claim the home insurance deduction

The first thing that matters is when you bought your home. This deduction is linked to older tax rules that still apply to properties purchased before January 1, 2013. If your home was bought after that date, this specific benefit will not apply, even if you have a mortgage and insurance in place.

The second condition is just as important. Your home insurance must be connected to an active mortgage, and in most cases, it needs to have been arranged with the same bank that granted the loan.

For many homeowners, that will sound familiar. When taking out a mortgage, banks often require insurance as part of the agreement. That is exactly the situation where this deduction comes into play.

But having insurance on its own is not enough. It has to be tied to the mortgage from the beginning.

Why many homeowners overlook this deduction

Every year, thousands of people go through the same routine. They open their draft tax return, check the main figures, and accept it without making changes. It feels easier and quicker, especially if nothing obvious looks wrong.

The problem is that the draft does not always include everything. Some deductions, particularly those linked to older rules, can be missing. Others may not be calculated correctly because the system does not have all the necessary details.

That is why tax advisers often say the same thing. Do not accept the draft without checking it carefully.

This home insurance deduction is a good example. It is easy to overlook, especially if you have had the same mortgage for years and do not think about it anymore.

What part of your insurance you can deduct

Even if you meet the conditions, there is another point that often causes confusion. You cannot deduct the full cost of your home insurance.

Only the part that is directly linked to the mortgage can be included in your tax return. If your policy includes extra coverage, such as protection for valuables or optional services, that portion does not count.

In practice, this means you may need to look closely at your insurance documents. Some policies clearly separate the different elements. Others bundle everything together, which makes it harder to identify the exact amount that can be deducted.

If you are unsure, it is worth contacting your bank or insurer. A quick check could help you avoid mistakes and make sure you claim what you are entitled to.

When the 2025 tax campaign begins in Spain

The timeline is already underway. The 2025 income tax campaign opened on April 8, and taxpayers can now file their returns online. As in previous years, the process runs over several weeks, with different options available depending on your situation.

For many people, the first step is to review the draft provided by the tax authorities. That is where it is worth slowing down and checking the details carefully.

Mortgage information, insurance payments and any deductions linked to your home should all be reviewed before confirming the return. Taking a bit more time at this stage can still make a difference.

A small detail that can reduce your tax bill

For most homeowners, this deduction will not lead to huge savings. But that does not mean it should be ignored.

Tax returns are built on small adjustments. One deduction on its own may seem minor, but combined with others, it can change the final outcome.

For those who bought their home before 2013 and still have a mortgage, this is one of those details that is easy to miss but worth checking.

It is also one of the few remaining benefits linked to the old rules on primary residence investment, which no longer apply to newer buyers.

That is why it still matters.

Before you submit your tax return, take a second look

If you are planning to file your return as soon as the campaign opens, it may be worth pausing for a moment. Check when you bought your home. Look at your mortgage. Review your insurance.

If everything lines up, you could be entitled to a deduction that is not immediately obvious. And if you skip that step, you may end up paying more than you need to.

In a process that many people rush through every year, this is one detail that deserves a closer look.

Brodernas Marbella has the slogan ‘Burgers done right’ and they aren’t lying. 

The chain has two locations in Marbella. One restaurant along the Paseo Maritimo and the other in Nueva Andalucia close to the Hard rock hotel. The Scandinavian brand founded by Jonas Wiklander and Joakim Wiklander began their burger beginnings in Sweden before expanding and finding homes in the Costa Del Sol. 

Relaxed, sociable and unfussy

Inside the Paseo Maritimo branch, the restaurant keeps things modern and unfussy with a modern sports bar vibe. Clean, light, cool art work and decor, lots of wood and really informal but smart. Live sport is dotted around on various TV screens, the waiter offers to change the channel to whatever sport or team floats your boat.  The staff are all friendly, relaxed and happy to help. 

A global burger menu takes you to different cities

The menu is interesting with a theme around  international cities, each has its own personality and flavour. Visiting as a group of 3, we ordered the Zibanejad, Berlin Burger and London Burger, with fries and dirty fries for the table. Presentation is rustic wooden boards, and metal plant pots for the side dishes, plenty of condiments on the table. Just what you would expect to suit the overall style of the restaurant. 

Burgers were hot, fresh and oozy without feeling greasy. Zibanejad was a flavourful rich bite with crispy onion rings and sweet caramelised onions layered over a juicy beef patty. Berlin Burger had a sharper edge through pickles and red onion, cutting through the richness well. London Burger was a classic comfort, with bacon, cheddar and a creamy sauce combination, familiar and satisfying. 

Priced at around €11 to €15 for a main, it’s about average for what you would expect to pay in the location. Loads of extra options are on the menu for you to add, extra patty, cheese and various other toppings and sauces. 

Dirty fries steal the show

Dirty fries were the talking point of the meal. Generous, indulgent and full of flavour and spice, for us they outshone other dirty fries we had had elsewhere. Regular fries held their own, crisp and well-seasoned, but the loaded version were something memorable. Even though we didn’t ourselves order onion rings, we spotted a few portions coming out the kitchen looking large, light and crispy. Something to add to the order for the future. 

Drinks, desserts, delivery and early diners

There is a full bar with well crafted punchy cocktails, a dessert menu with milkshakes, brownies and sundaes and for the earlier risers they have a full breakfast menu. Delivery and takeaway are also available. The food is well packaged up and arrives as fresh as you would have it served in the restaurant. No sloppy, cold, fallen apart food. 

Basic burgers done brilliantly

Brodernas Marbella gets the basics right without any fluff. Burgers arrive packed with flavour, in light brioche buns,  service stays friendly and relaxed, and the ambiance encourages you to stay a little longer. Casual dining is the one here, stop in after the in after the beach or meeting friends for an easy evening meal. Consistency, atmosphere and satisfying food keep people coming back.

More details,  address and booking info can be found on the Brodernas website. 

The Port of Mazarron became the epicentre of sport on the first day of May, with more than 400 swimmers converging to take on a demanding swimming challenge around the lighthouse cape. The event was organised by the Murcia Masters Swimming Club in collaboration with the Mazarron Town Hall, and took place at 10:00 in the morning on Friday, May 1.

A long-awaited event that saw hundreds of athletes participate

During the swim, which took off from Playa de la Isla, the swimmers took on a 3,200-metre route that included a lap around the island, past the lighthouse cape, and into the port, finally finishing at the beach in Puerto.

In the men’s category, Cristóbal Javier Cáceres Carrión won overall with a time of 38:12. In the women’s category, Irene García Vecina won overall with a time of 43:01.

The event was a booming success with organisers and local associations, being highlighted as the first initiative of an exciting summer sport tourism season in the coastal municipality. There was a sense of great participant satisfaction during the event, as well as great pride from the volunteers, security forces, and healthcare services that helped make the competition both possible and safe.

Mazarron, becoming a key spot on the Costa for sporting events

Mazarron is a key destination for sport initiatives of this kind, due to the quality of its beaches and institutions. Gradually, it has become a standout destination for sport tourism on the Costa Calida and this race helped to consolidate its place as an ideal sports location on the Murcia coastline.

These types of sporting initiatives not only help encourage active lifestyles among the residents of Mazarron and beyond; they also give local businesses in the municipality a boost by driving business with visitors who come to see and take part in the events.