Buy a flat with someone on your side

The app that helps you understand the home and its surroundings, from first listing to moving in.

Kallio, Helsinki

1 480 €/mo

Understand the housing company’s finances

The debt share, how the charge is trending and whether a pipe renovation is coming. We read the housing company’s manager certificate for you and say plainly what the numbers mean.

What we found

Debt share High
Pipe renovation Ahead 2028
Maintenance charge Raised
Financing charge No data, ask

What you pay each month

See the monthly cost in one place. In the app, adjust the interest rate and your circumstances to see how your buffer changes.

Monthly cost →

1 480 €/mo

Mortgage 920 €/mo

Maintenance charge 380 €/mo

Financing charge 180 €/mo

At 6% rate: 1 760 €/mo

Get to know the area

See what is nearby and how everyday life could work. Explore the surroundings and find out what to check in person.

Explore areas →

Kallio, Helsinki

Public transport
Grocery shops
Schools and childcare

Go into bidding with a plan.

See what different bids mean for your monthly cost and set a limit that fits your finances.

Compare what sets them apart

Put two homes side by side: monthly cost, commute and condition.

Koivutie 8

Mäntypolku 3

Monthly cost: 1 480 €/month1 690 €/month
Commute: 14 min29 min
Debt per m²: 2 900 €1 100 €

Everything for the viewing

A checklist and questions for the agent, tailored to this flat's age and housing company. Nothing important slips through.

Know what to do next.

Keep track of what remains, from viewing to signing and handover. If you need to sell first, your sale fits into the same plan.

Prepare to buy

Bring together your budget and what you are looking for.
Go to the viewing

Save questions and observations for each home.
Plan your bids

Choose your limit and follow up what you need to know.
Before signing

Get help understanding what to check before you sign.
Before handover

Keep track of what remains before you get the keys.

Start with one home.

Analyse a home

Numbers you can trust

We keep track of what needs checking and fixing, so you don’t have to hold it all in your head.

Every number can be adjusted, and you see what it builds on.
When a figure is missing we say so, rather than guess.
Amounts, rules and thresholds are checked against official sources.

1,000+

areas with price data

2026

loan and tax rules

See everything about the flat and its co-op

See a finished analysis, or start with a home you're looking at.

See an example

Read on

Housing company finances and share of the company loan: how to read whether the company is sound (2026) Debt-free price = sale price + share of the company loan. Read the loan share, the charge split and the manager’s certificate before an offer, so you know what the home really costs per month. Pipe renovation: when it comes and what it costs (2026) A pipe renovation costs roughly 600-1,200 e/m2 and comes due at 40-50 years of age. Here is how to see whether it is decided, coming, or already done, before you make an offer. Buying a home together: cohabitation, marriage and ownership shares (2026) In cohabitation a home divides by ownership, not automatically in half. Record fractional shares in the deed to match your contributions and put the agreements in writing. How much mortgage can you get? (2026) The LTV cap is 90% (95% for a first home), so you need about 10% of your own money (around 5% for a first home), and the bank stress-tests your loan at 6%. Here is how the maths works. Monthly cost · Calculate What a home in Finland costs per month: interest, amortisation and the company charge, stress-tested.

Common questions

What does Heimer cost?

Your first analysis is free. After that, Premium is 29,99 € a month for unlimited analyses.

Which sites work?

A link from Oikotie, Etuovi or most agent sites works fine.

Do you find the housing company's debt share?

We read what's in the listing and the manager's certificate. If a figure is missing, we say so plainly instead of guessing.

Is Heimer on the buyer's side?

Yes. We're on your side, helping you understand the listing so you can feel sure about the decision.

Looking for a different property type? House