Properties for sale in Spain

We proudly presents an exceptional luxury villa in Rojales, Alicante, offering breathtaking views over the Costa Blanca. Located near La Marquesa Golf, this stunning home is designed for those who appreciate elegance, space, and the finest modern comforts. With three spacious bedrooms, each featuring its own en-suite bathroom, plus an additional guest bathroom near the living area, this villa ensures privacy and convenience for you and your guests. The open-plan living space seamlessly blends indoor and outdoor living, creating a bright and airy atmosphere. Floor-to-ceiling windows allow natural light to flood the interiors while showcasing the spectacular panoramic views. The highlight of the outdoor area is the impressive infinity pool—your private oasis overlooking the picturesque surroundings. For added convenience, the villa includes a fully enclosed garage, ensuring security and practicality. Every aspect of this home has been thoughtfully designed to provide the ultimate in luxury and comfort, making it an ideal residence or holiday retreat. Don’t miss this rare opportunity to own a piece of paradise in Rojales. Contact us today for more details!

We proudly presents a unique renovation opportunity in Rafal, Alicante the perfect canvas to create your dream villa or mansion. Set on an expansive 1,500m2 plot, this 310m2 property offers incredible potential for transformation. Located on the edge of town, it provides the perfect balance of privacy and convenience, with all essential amenities just minutes away. Whether you envision a modern luxury villa or a grand Mediterranean estate, this spacious property allows for endless possibilities. With ample room for landscaped gardens, a private pool, and outdoor entertainment areas, you can design a one-of-a-kind home tailored to your lifestyle. Opportunities like this are raredon't miss your chance to turn this property into something truly special. Contact us today for more information or to arrange a viewing!

This stunning country home, built in 2020, is set on a generous 2,000m2 plot just a stone’s throw from the lovely town of Alcantarilla. With 3 spacious bedrooms and 3 bathrooms, including a master bedroom with its own private en-suite, this property offers the perfect blend of comfort, space, and style. Inside, you'll find a cozy fireplace, air conditioning for year-round comfort, and a fully filtered water system throughout the home. The open and inviting layout is filled with natural light, creating a warm and welcoming atmosphere. Outside, the property boasts a newly built 10x4 swimming pool complete with a pool heater, allowing you to enjoy a swim all year round. The large driveway fits up to 8 cars, and there’s a fantastic chillout area perfect for relaxing or entertaining. The fully fitted outdoor kitchen with BBQ and oven makes al fresco dining a real pleasure. External stairs lead to a spacious solarium with breathtaking mountain views, offering potential to convert into additional living space or simply to soak in the tranquil surroundings. For added peace of mind, the house is equipped with full security cameras around the property, ensuring you feel safe and secure at all times. Located within walking distance to the popular Restaurante "El Pedrusco", known for its traditional Murcian dishes, and only a short drive into Alcantarilla town, where you’ll find everything you need from shops, bars, restaurants, and schools to hospitals and other essential services. And if you're dreaming of the coast, the beautiful beaches of the Mar Menor are just a 20-minute drive away, making this property a perfect blend of peaceful country living with excellent access to town and sea. Whether you’re looking for a full-time residence, a holiday home, or a fantastic investment, this countryside gem truly ticks all the boxes.

This fully renovated villa in Los Balcones is a stunning and stylish property offering 4 spacious bedrooms, each with its own en-suite bathroom, plus an additional guest toilet, designed for total comfort and privacy. With a built area of 111 m2 on a generous private plot, the home features a beautifully landscaped garden, a large terrace area, and a private pool, perfect for relaxing, entertaining, or enjoying the Spanish sun. The villa includes private gated parking for two cars, and inside you’ll find high-quality finishes throughout, including a state of the art Airzone air conditioning system, allowing individual temperature control in each room for maximum energy efficiency and comfort. Three of the bedrooms offer walk-in wardrobes, while the fourth includes a built-in wardrobe. Two of the bedrooms also have direct access to a large private balcony, providing peaceful outdoor space and lovely open views. Located in the desirable area of Los Balcones, this property offers the perfect balance of privacy and convenience, close to shops, restaurants, supermarkets, health centers, and just a short drive from the beautiful beaches of Torrevieja. Whether you're looking for a permanent family residence, a luxury holiday home, or a high-end rental investment, this villa is an exceptional find in one of the Costa Blanca’s most sought-after neighborhoods.

Rare opportunity to purchase this spectacular property in Calas de Campoamor with open sea views, just 100m from the beach. This 3 bedroom, 3 bathroom villa boasts a heated saline swimming pool installed less than 2 years ago along with a private solarium and underground garage and storage room. Located in a gated complex this property has been maintained to a very high standard with a sleek brand new kitchen and very attractive marble flooring throughout. On the ground floor there is fantastic living and dining room with floor to ceiling patio doors leading outside the the tiled terrace and swimming pool which has been finished with artificial grass. On the first floor you with find the master bedroom that enjoys sea views and en-suite bathroom along with two double guest bedrooms and the family bathroom all with views towards the sea or the communal swimming pool. On the top floor you will find the fabulous solarium with more stunning views of the Mediterranean and down towards the Mar Menor. The villa has an underground garage and storage accessed via an internal staircase, where you can conveniently access your car and exit the complex via electric doors. The house forms part of a well maintained complex where home owners also have use of the huge communal swimming pool and pretty garden. The property is sold as seen, fully furnished with many, many extras including independent laundry room, new air-conditioning units in the bedrooms, brand new kitchen appliances, non-chemical saline heated pool system, automated garage doors, intercom entry system, open fireplace in the living room and purpose built barbecue on the main terrace. Calas de Campoamor is a sought after location with all amenities within a few minutes walking distance including an international supermarket and bakery, 24hr pharmacy and medical centre along with a vast array of restaurants, cocktail and tapas bars.

Fantastic penthouse with SEA VIEWS in Cabo Roig, 2 bedrooms, 1 bathroom, oriented to the southeast, good for living and an excellent investment opportunity. Located in the Aguamarina residence, with high rental demand. Fully furnished and in excellent condition, the penthouse consists of a living/dining room with air conditioning and access to a sunny terrace, an equipped kitchen and 2 bedrooms with fitted wardrobes. One of the bedrooms has direct access to its own cozy terrace. The apartment is sold fully furnished. A spacious private solarium overlooking the sea, where the sun shines all day. The total area of the apartment is 110m2. There is an underground parking and an elevator. The property is located in a gated complex with a magnificent garden and a communal swimming pool. Close to the bars, shops and restaurants of Cabo Roig and a few minutes from the beach.

This charming detached villa in Ciudad Quesada offers a perfect blend of comfort and convenience, ideal for those seeking a peaceful yet accessible lifestyle. The property boasts the following features: Bedrooms: 3 spacious bedrooms Bathrooms: 3 well-appointed bathrooms Built Area: 120 m2 Plot Size: 500 m2 Pool: Private pool, perfect for enjoying sunny days Parking: Private parking with space for 2 vehicles Kitchen: 1 fully fitted kitchen, including modern appliances Built-in Wardrobes: 3 wardrobes, providing ample storage space Orientation: South-facing for maximum sunshine exposure Outdoor Features: Private Terrace: A great place to relax and enjoy the surroundings Outside Kitchen: Ideal for outdoor dining and entertaining Fully Tiled Plot: Low-maintenance garden Security Grills: Added safety and peace of mind Electric Gates: For added privacy and security Toldos: Awnings for extra shade and comfort outdoors Car Port & Driveway: Convenient off-road parking options Views: Lake Views: Enjoy scenic lake views from your home Garden & Pool View: Relax with beautiful views of the garden and your private pool Location: Distance to Beach: Just 10 minutes away Distance to Airport: 35 minutes by car Distance to Amenities: Only 5 minutes to local shops and services Distance to Golf: A short 10-minute drive to nearby golf courses Close to Town: A short drive to the town center for all your needs Close to Shops: Easy access to shopping facilities Additional Features: Air Conditioning: Ensuring comfort during warm summer months Fibre Optic: High-speed internet access Renovation Required: A great opportunity to put your personal touch on the property Separate Kitchen: Spacious and independent kitchen layout Furniture Negotiable: The furniture can be included or removed as per your preference Urbanisation: Located within a well-established urban area This villa provides an excellent opportunity for those looking for a property that offers both comfort and potential, with a private pool and garden, all within a desirable location close to amenities and stunning views. The current owners have owned the property from new and unfortunately age means they cannot upkeep the villa as it previously was. Some remedial work will be needed to bring this lovely property back to its former glory. Viewing is advisable so that any buyer can see and realise the potential this property presents.

This charming detached villa in Ciudad Quesada offers a perfect blend of comfort and convenience, ideal for those seeking a peaceful yet accessible lifestyle. The property boasts the following features: Bedrooms: 3 spacious bedrooms Bathrooms: 2 well-appointed bathrooms Built Area: 120 m2 Plot Size: 500 m2 Pool: Private pool, perfect for enjoying sunny days Parking: Private parking with space for 2 vehicles Kitchen: 1 fully fitted kitchen, including modern appliances Built-in Wardrobes: 3 wardrobes, providing ample storage space Orientation: South-facing for maximum sunshine exposure Outdoor Features: Private Terrace: A great place to relax and enjoy the surroundings Outside Kitchen: Ideal for outdoor dining and entertaining Fully Tiled Plot: Low-maintenance garden Security Grills: Added safety and peace of mind Electric Gates: For added privacy and security Toldos: Awnings for extra shade and comfort outdoors Car Port & Driveway: Convenient off-road parking options Views: Lake Views: Enjoy scenic lake views from your home Garden & Pool View: Relax with beautiful views of the garden and your private pool Location: Distance to Beach: Just 10 minutes away Distance to Airport: 35 minutes by car Distance to Amenities: Only 5 minutes to local shops and services Distance to Golf: A short 10-minute drive to nearby golf courses Close to Town: A short drive to the town center for all your needs Close to Shops: Easy access to shopping facilities Additional Features: Air Conditioning: Ensuring comfort during warm summer months Fibre Optic: High-speed internet access Renovation Required: A great opportunity to put your personal touch on the property Separate Kitchen: Spacious and independent kitchen layout Furniture Negotiable: The furniture can be included or removed as per your preference Urbanisation: Located within a well-established urban area This villa provides an excellent opportunity for those looking for a property that offers both comfort and potential, with a private pool and garden, all within a desirable location close to amenities and stunning views. The current owners have owned the property from new and unfortunately age means they cannot upkeep the villa as it previously was. Some remedial work will be needed to bring this lovely property back to its former glory. Viewing is advisable so that any buyer can see and realise the potential this property presents.

The Property Gallery is pleased to present this bright and well-maintained 1-bedroom apartment, ideally located in the heart of Guargacho, just steps from the local Health Center and surrounded by essential amenities including shops, cafes, and public transport. Key Features: ✦ Spacious Bedroom: Generously sized and filled with natural light, complete with a built-in wardrobe and large window. ✦ Full Bathroom: Comfortable bathroom equipped with a bathtub—perfect for relaxation. ✦ Open-Plan Living Area: A large living and dining space seamlessly connected to a well-designed open kitchen. ✦ Private Terrace: Enjoy Tenerife’s fantastic weather on your own 5 m2 terrace, offering beautiful panoramic views of both the ocean and surrounding mountains. ✦ Communal Roof Terrace: Ideal for entertaining, with space for barbecues and gatherings with friends or family. This second-floor apartment (no elevator) is full of natural light and features a smart layout that makes excellent use of its 54 m2 interior. Whether you're looking for your first home, a holiday retreat, or as an investment property in the south of Tenerife, this is a fantastic opportunity. Don't miss your chance to own a lovely apartment in this peaceful, well-connected neighborhood. Contact us today to arrange your viewing – your new home in Guargacho awaits! Disclaimer: Please note The Property Gallery receives property information, documents, plans, etc. From the seller, and it isn't always possible to verify it. While The Property Gallery requests correct information from the seller, we recommend seeking independent legal advice to verify property documents and details prior to any property purchase. Therefore, it is the responsibility of our clients to ensure that the information and details about the property are correct.
All written offers are non-binding and may be subject to errors or price changes prior to the sale or withdrawal from the market without prior notice.[IW]

Discover this charming detached house located just 350 meters from the beautiful beaches of Benajarafe, awarded the prestigious Q for Quality distinction. The property is laid out on a single floor and features a spacious living-dining room with a fireplace and air conditioning—perfect for year-round comfort. It also offers a fully equipped independent kitchen. There are three generously sized bedrooms, all with Climalit windows and built-in wardrobes, as well as two full bathrooms. Outside, the property boasts a large porch, ideal for relaxing, and a private garage that also serves as a storage area. The home is equipped with solar panels and a 30-liter water tank, enhancing its efficiency and sustainability. It is sold fully furnished and ready to move in. Ideally located close to shops, restaurants, and all essential services, this property is just 20 km from the vibrant city of Málaga. Contact us for more information or to schedule a viewing!

5 bedroom detached villa for sale in El Chaparral with lots of extras. Situated on a quiet street, this property is minutes from the nearest bars, shops and restaurants. There is also a regular bus route nearby, as well as the 2 salt lakes of Torrevieja. Access into the plot is via either a pedestrian gate or vehicular gate. The outdoor space is a mixture of low maintenance garden and terraces. To the side is a gate to the rear garden, and to the front there is a driveway and access to 2 separate garages. There is also a partially shaded terrace from where you can access into the property. Upon entering the property there is an open plan kitchen to the right. This has a selection of floor stasnding and wall mounted cabinets and contrasting worktops. Adjacent to this is a dining area that has a feature fireplace in the corner, which then leads to the lounge area. From here there is a small corridor that leads to 2 large double bedrooms, both with ensuite bathrooms that have walk in showers. Also from the lounge there are large sliding patio doors that lead out onto the rear terrace and garden. There is also a doorway to the third double bedroom. From here there is access to a shared bathroom which has a bath with shower over. The has another doorway to the 4th bedroom. This is also a double, and also has a separate door that leads to the rear terrace. Once outside you have a shaded out door kitchen area, various terraces and the fantastic pool. There is a stairway that leads to a solarium, and another stairway that leads upto the 5th bedroom. To the side of this area there is another solarium which offers views to the pink salt lake. Inside this area, you have an area ideal for setting up as another lounge that leads to the bedroom. There is an ensuite bathroom and a further door that leads out to a small balcony. The whole villa is air conditioned. Our La Siesta sales office are proud to offer for sale this Spacious Upper bungalow which is conveniently situated close to shops, bars, Restaurants, supermarkets, etc. The golden sandy beaches of the Costa Blanca, Costa Calida & the Mar Menor are only 10 minutes away, and Is close to all main transport links, with just a 60 minute drive to Murcia (Corvera) or 40 minute drive Alicante airports and only minutes From any of a dozen world class golf courses. From our offices we have property for sale Murcia province as well as property for sale Alicante province. This means we have a fantastic Range of property for sale in Costa Blanca, and a large range of Property for sale Costa Calida, as well as inland. This includes great Beach property for sale and Golf property for sale throughout the Region.

Modern New Build Apartments in Pilar de la Horadada – Comfort, Style, and Prime Location Boutique Residential Project with Only 7 Homes Discover an exclusive new build development in the heart of Pilar de la Horadada, offering just 7 stylish apartments with 2 or 3 bedrooms. Located only 3 km from the beach, this modern building is ideal for those seeking a tranquil coastal lifestyle with all essential services within walking distance. Key Ready! The development features three floors with elevator access and secure entry control systems, ensuring safety and convenience. Whether you’re looking for a permanent residence, a vacation home, or a smart investment on the Costa Blanca, this limited-edition residential building provides an ideal opportunity. Contemporary Design and High-Quality Finishes Each apartment is thoughtfully designed with modern finishes, ensuring a blend of elegance and functionality. Features include: Furnished kitchens with modern appliances included Built-in wardrobes in all bedrooms with interior lining Pre-installed ducted air conditioning Fully equipped bathrooms with vanity units, mirrors, and shower screens Motorized shutters in the living room for added comfort and light control These homes are designed to offer maximum comfort all year round, with layouts that make the most of natural light and open living spaces. Life in Pilar de la Horadada – Year-Round Coastal Living Pilar de la Horadada, located in the southernmost part of Alicante, offers a perfect combination of relaxed coastal charm and modern amenities. With beautiful sandy beaches, scenic cycling routes, and excellent sports facilities, the area attracts both locals and international residents. From your new home, you’ll enjoy easy access to shops, restaurants, parks, and medical centers—all just steps away. This peaceful town also offers proximity to natural parks and hiking trails, perfect for outdoor enthusiasts. Key Distances to Points of Interest Torre de la Horadada Beach – 3 km Lo Romero Golf Course – 5 km La Zenia Boulevard Shopping Center – 15 km Corvera Airport (Murcia) – 40 km Alicante Airport – 55 km Secure Your New Home on the Costa Blanca Don’t miss the chance to own a beautifully designed new-build apartment in a privileged location. Contact us today for more information or to arrange a viewing. Your new life in the sun awaits in Pilar de la Horadada.

Apartment in Nerja on Calle Carabeo, 100 meters from the Parador, with 2 bedrooms, a communal pool, and a 2-minute walk from the beaches and the Balcón de Europa. The apartment is located in one of Nerja's most sought-after and privileged areas; in the heart of Nerja, yet a 2-minute walk from Burriana Beach and a 5-minute walk from the iconic Balcón de Europa Promenade. It is located on the ground floor of a building with a communal pool on a stunning rooftop terrace, offering spectacular sea views. The apartment is distributed over one floor and consists of 2 bedrooms, a kitchen open to the living room, a very spacious bathroom with a shower, and a living-dining room with access to a beautiful and cozy terrace-patio. A perfect space for enjoying family and friends gatherings. It also has 2 entrances: The main entrance through the building's entrance hall and another private entrance, through which you can directly access the private patio. This is a property with enormous potential, and rare opportunities like this one arise, with a perfect location where demand is very high. Nerja is located in the east of the province, 50 km from Malaga. It is just 45 minutes from Malaga Airport and 1 hour from the Sierra Nevada in Granada. It has approximately 22,000 inhabitants. In a privileged location, Nerja boasts spectacular landscapes thanks to its exceptional cliffs and wonderful beaches. It has a climate with mild temperatures year-round, perfect for enjoying its numerous cultural activities, its acclaimed festivals, its beautiful, well-kept streets, and its warm people.

Plot of 9700 m2 for sale in Yecla. Fallow, maintained land, located by a tarmac road, app. 2 km from the edge of town. Prepared to be connected to electricity. This is not a building plot! It however could be joint with neighbouring parcel to create at least 20.000 m2 - necessary size for building in Yecla.About the area: Yecla is renowned for its wine production, historical landmarks, and vibrant local culture. The surrounding natural landscapes provide opportunities for outdoor activities, while the town itself offers all necessary services, including schools, shops, and restaurants. This property combines the tranquility of countryside living with easy access to modern amenities.About us: We have a large portfolio of properties in the Costa Blanca and Costa Calida areas, specialising in country properties, villas, fincas, building plots and design and build options in the Alicante and Murcia regions with a particular emphasis on Elda, Monovar, Pinoso, Sax, Villena, Aspe, Fortuna, Albacete and many more surrounding areas. We have been established since 2004 and have decades of experience between the team which we bring to bear to help you find and secure your new dream home. We help you every step of the way to make sure your purchase in Spain is safe and hassle free. We are not here to sell you a property, we are here to help you realise your dream and find what is right for you. With us you are in the safest hands. Contact us now to have a no obligation chat about how you too can realise your dreams.

Bargain! Large 5 bed Villa with Garage in Los Altos. 5 bedrooms 5 bathrooms Communal Pool Terrace Garage A/C Independent villa in Torrevieja, in the Los Altos neighborhood. This magnificent villa is located in an urbanization with a communal pool, in an excellent area near the park. From the property you can enjoy stunning views of the sea. On the ground floor there is a spacious living room, a modern kitchen and a bathroom. On the first floor there are two cozy bedrooms, one of them with a terrace, and a bathroom. The basement offers an additional living area with a large garage, three bedrooms, one with a large dressing room, two bathrooms and a toilet. The house offers great possibilities for a comfortable and relaxing life near the best beaches on the Costa Blanca, combining a privileged location with all the necessary amenities.

Amazing New Luxury Bungalow with Sea Views in Finestra, Benidorm. · 2 bedrooms 2 bathrooms (1 en suite) · Spectacular terraces with sea views and the Benidorm skyline · Upper levels with additional solarium · Parking space and individual storage room · Community infinity pool · Design and high quality materials and finishes · Kitchen equipped with Bosch top design appliances · Installation of Mitsubishi ducted air conditioning · Complete bathrooms with shower screens and underfloor heating · Motorized blinds · LED lighting Brand new promotion of 20 Deluxe Bungalows, located in the exclusive residential area of Balcón de Finestrat. Next to Puig Campana Golf and 10 minutes from the La Marina Shopping Center with supermarkets, shops, bars and restaurants. 10 minutes from the famous and international beaches of Benidorm, and with quick access to other charming Mediterranean towns such as Villajoyosa, Altea, Calpe… This development has been designed to integrate into the natural environment and adapt to the topography of the land, allowing you to enjoy wonderful views of the Mediterranean Sea and the Benidorm skyline. The Deluxe Bungalows are deluxe high-rise properties with independent access, and with all the equipment and extras included. You only need the furniture to give it your personal touch and turn it into your next home. Contact us for viewings and more information!

New Lux Bungalow with Sea Views next to La Mata Beach, Torrevieja 2 bedrooms 2 bathrooms Communal Pool Sea Views Terrace Sea views from ground floor apartments Generous gardens & terraces in all apartments Chill out area with sea views Communal infinity swimming pool Contemporary Mediterranean design Versatile layouts & personalisation options PassivHaus certified & sustainable Underground private parking 40 min from Alicante & Murcia Airports Properties with sea views for sale in La Mata Costa Blanca With sea views from the ground floor on one of the last remaining plots in the most exclusive area of Torrevieja, Costa Blanca. Properties with sea views for sale in La Mata Costa Blanca New residential development of 2 bedroom, 2 bathroom properties with sea views for sale in La Mata Costa Blanca The complex embraces its natural surroundings, offering spectacular views of the sea and generous outdoor spaces which invite you to enjoy the very best of the Mediterranean lifestyle in one of Europe’s best climates. Through high-quality finishes, spacious layouts, and abundance of natural light, reflects our passion for forward-thinking and elegant Mediterranean architecture. Constructed in accordance with the prestigious Passivhaus standard, the project also renews our continued commitment to sustainable and innovative design, resulting in comfortable and environmentally responsible homes which meet both current and future needs. Ground floor apartments feature a large garden with sea views and ample space for a private pool, as well as a semi-basement perfect for adding additional bedrooms or living space. Top floor apartments in boast breathtaking sea views from a generous balcony and impressive private solarium, while versatile living areas allow you to adapt your home to suit your lifestyle.

Beautiful apartment located 300 meters from the beach of la tejita close to the town of el Medano and the beach for surfers and keyts with 2 bedrooms from the terrace overlooking the beach, the apartment is finished to a high standard with the possibility of making a license for renting Vv We are an international boutique real estate agency. Our team speaks English, German, Russian, Polish, French, Dutch, Italian and Spanish. We would be happy to support you in selling or buying a property in Tenerife. Your international real estate agency in Tenerife For more information, visit http://www.agatatenerife.com The offer is subject to errors, price changes, omission and / or withdrawal without notice. Property transfer costs (6,5% from declared property priced), notary and registry fees are payable by the buyer. There are no real estate agent commission costs to the buyer. For further details please contact Agata's real estate team. The offer is subject to errors, price changes, omissions and/or withdrawal without notice. The costs for the property transfer (6.5% of the stated property price), the notary and registration fees are to be borne by the buyer. There are no broker commissions for the buyer.

The apartment is located very close to the ocean, 300 m, has a beautiful heated swimming pool, on-site restaurants, laundry, reception, the apartment has permission for short-term rental Vv More information soon. We are a boutique international real estate agency. Our team is speaking English, German, Russian, Polish, French, Dutch, Italian and Spanish. We will assist you selling or buying a property on Tenerife with great pleasure. Your international real estate agency on Tenerife Find more http://www.agatatenerife.com

Modern Flat with Sea Views in Villajoyosa – Built in 2024 Experience coastal living at its best in this brand-new apartment located in a stylish complex in Villajoyosa. Duplex built in 2024, this contemporary flat offers comfort, convenience, and stunning sea views — ideal for both holiday getaways and year-round living. Key features include: 2 bedrooms and 2 bathrooms (master with en-suite) Bright living room with open-plan kitchen Huge sunny terrace with sea views, accessible from both the living room and master bedroom Private solarium for relaxing in the sun in the top floor Air conditioning (hot and cold) Private parking space Wheelchair access Complex amenities: Swimming pool Jacuzzi Padel court Gym Landscaped communal areas Enjoy modern Mediterranean living in a quiet, well-equipped community just minutes from the beach and local services.