Buy a Property in Finland

Basic details on how to buy a property in Finland, via an Estate Agent, an agent who specializes in overseas property, or if buying a property privately.

how to buy property in Finland, whether you choose to work with an estate agent or buy directly from the owner. Finland's real estate process is straightforward when you know the steps, but it's important to do proper due diligence because the market is less regulated than in North America or Europe.

You can buy a property in Finland in either of these two common ways, through a Real Estate Agent (Broker / Inmobiliaria) who can assist with language, paperwork or directly from the owner (Dueño Directo / Propietario) where buyers wanting lower prices, and more room for negotiation.

Verify property documents before making an offer, which include Certificado de Gravámenes, Certificado de Libertad de Gravamen, Escritura (Title Deed), Predial (Property Tax History) and Plano Catastral.

It is always wise when buying a property locally or internationally, to do something on your own which is due diligence. Do your homework. Get a nota simple from the local Land Registry to verify the property's legal status. This includes checking that the property is free of debts, charges, or embargoes, and that the seller has the legal right to sell.

Find a property in Finland that meets your needs. This can be done through locally based Estate Agents or the best place to start is only through a property listings portal.

Opening bank account in Finland is key to setting up your fanancial status in Finland and allows you to transfer money to cover the property purchase and to set up regular monthly payments if required.

A pre-contractual document is to be signed, something a lawyer can assist with, then wait for a 10-day cooling-off period. During this time, you can clear up any doubts with the notary public.

Finalize the sale with a notary, and do any mortgage or loan paperwork as guided by the legal advisors you shoul be using.

In recapping you can use real estate agents or sell by yourself through a websites, but using a lawyer is a must.

The process of buying property can be complicated, and it's recommended to work with a reputable agent who understands the market and legal requirements.

Real estate agent - You can use a real estate agent or broker to help you find a buyer, negotiate, and get the best price for your property. Agents typically take a commission of up to 3% of the purchase price.

Marketing - You can use an international website, social media, and third-party listing portals to find your property.

You can work with a team of attorneys, accountants, and real estate agents during the purchase, or a mix of those professions depending on how you wish to buy your property.


Note this information is purely a guide, and if Buying or renting in Finland, we advise you to seek professional help as relates to your specific needs.

Find out how to list a property in Finland for sale .