Buy a flat with someone on your side
We follow you from the first viewing to the offer, flagging what makes an affordable flat expensive: the housing company's finances and what you pay each month.
1,000+
areas with price data
100+
checks per analysis
2026
loan and tax rules
The housing company's finances in five seconds
The debt share, how the charge is trending and whether a pipe renovation is coming. What decides if an affordable flat gets expensive after you move in.
What we found
- Debt per m² High
- Pipe job Planned 2027
- Monthly fee Raised recently
- Leasehold No data, ask
What you pay each month
Interest, amortisation and the company charge add up to what you actually pay. Change the rate and watch it move.
1 480 €/mo
At 6% rate: 1 760 €/kk
The debt-free price is the real comparison
Sale price plus debt share is the flat's true price. We compare it with similar homes in the area, so you can see if the price was set low to draw offers.
The neighbourhood you’re moving to
How far to work, the price level in the neighbourhood and the risks that come with the place itself.
Kallio, Helsinki
14 min to work
Compare what sets them apart
Put two homes side by side: monthly cost, commute and condition.
Everything for the viewing
A checklist and questions for the agent, tailored to this flat's age and housing company. Nothing important slips through.
How to get started
01.
Paste the link
A link to the listing is all it takes, from most listing sites.
02.
Get a clear verdict
Monthly cost, risks and what to check.
03.
Go to the viewing prepared
A checklist and questions for the agent, for that exact home.
04.
Bid with confidence
You know the monthly cost and where the question marks are.
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.
Ready to check an apartment?
See a finished analysis, or start with a home you're looking at.
Read on
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