🇫🇮 Finland

Buying Property in Finland: A Guide for Foreign Buyers

Apartments in Finland cost from €6,200 to €6,200 per m² across the cities we track. Expect to pay another 1.5–2.5% of the price in taxes and fees.

Can foreigners buy property in Finland?

No restrictions for foreign buyers

Apartments are owned as housing company shares, which anyone can buy. Non-EU/EEA buyers need a Ministry of Defence permit for real estate (land or detached houses), but not for housing company shares.

Tax ID you'll need: Finnish personal identity code (optional for buying)

How to buy, step by step

  1. 1Review the housing company documents (manager's certificate, financial statements)
  2. 2Make a written offer, often with a deposit
  3. 3Sign the deed of sale, usually at the bank
  4. 4Pay the price; the share certificate or digital share is transferred
  5. 5Pay transfer tax and file the return within 2 months

What it costs

A 60 m² apartment in Helsinki at the average €6,200/m² costs about €372,000. Purchase taxes and fees add roughly €5,580–€9,300. Full breakdown of Finland property taxes and costs.

Helsinki€6,200/m² · gross yield 4.3%

Mortgages and residency

Approx. 50–75% LTV for non-residents; housing company shares are used as collateral.

Frequently Asked Questions

Can foreigners buy property in Finland?↓
Apartments are owned as housing company shares, which anyone can buy. Non-EU/EEA buyers need a Ministry of Defence permit for real estate (land or detached houses), but not for housing company shares.
How much are buying costs in Finland?↓
Typically 1.5–2.5% of the purchase price for a resale apartment, including transfer tax, notary or legal fees and registration.
How much does an apartment cost in Finland?↓
Average prices range from €6,200/m² to €6,200/m² across 1 cities; in Helsinki a 60 m² apartment costs about €372,000.
Can non-residents get a mortgage in Finland?↓
Approx. 50–75% LTV for non-residents; housing company shares are used as collateral.
Property prices in Finland →Apartments for sale in Finland →Rental yield calculator →

Last reviewed 2026-10. General information, not tax or legal advice: rates change and often depend on region and buyer status, so confirm with a local notary, lawyer or tax adviser. Sources: Vero: Buying a home.