How to Rent a Home in Finland

Navigating the process of renting a home in Finland for the first time can feel overwhelming. Numerous questions might arise: Should I consult a lawyer? Are appliances typically included in rentals? How can I discover quality rental properties? Which neighborhoods will best suit my needs? These are just the tip of the iceberg. Dive in for answers to these pressing questions and gain insights from our members who've made Finland their home.

"Moving to Finland is an exciting step, but finding the right accommodation can be a daunting task. This guide aims to simplify the process for expats by providing essential information about renting an apartment in Finland. Understanding the rental market, required documents, and upfront costs will help you navigate the process with confidence.

How do you find a rental property?

To find a rental property in Finland, you can use various online platforms such as Oikotie, Vuokraovi, and Etuovi, which list available rentals. Additionally, real estate agencies and property management companies can assist in your search. Networking through social media groups and local forums can also uncover hidden opportunities. Finnish universities and large companies sometimes provide housing assistance for international students and employees, so it's worth checking with your institution or employer as well.

Does Finland have an MLS type system?

Finland does not have a centralized Multiple Listing Service (MLS) system like the one used in the United States. However, the online platforms mentioned earlier aggregate listings from various sources, making it easier to search for rental properties. These websites are commonly used and trusted in Finland.

Do brokers have licenses and how do I know if they are licensed?

Real estate brokers in Finland must be registered with the Regional State Administrative Agency (AVI). To verify if a broker is licensed, you can check the AVI's public register or ask the broker to provide their registration details. Licensed brokers are required to follow specific regulations and guidelines, ensuring a higher level of professionalism and protection for clients.

Should I buy or rent?

Deciding whether to buy or rent depends on your personal circumstances and plans. Renting offers flexibility and is generally more suitable for those who plan to stay in Finland for a shorter period or prefer not to commit to a long-term investment. Buying a property can be a good option if you plan to stay in the country long-term and want to build equity, but it requires a more significant upfront investment and comes with additional responsibilities.

Is it difficult to find rentals in Finland?

The rental market in Finland can be competitive, especially in larger cities like Helsinki, Espoo, and Tampere. High demand and limited supply may make it challenging to find affordable housing quickly. Start your search early, be prepared to act fast, and consider expanding your search area or budget if necessary.

What documents are required when renting an apartment?

When renting an apartment in Finland, you typically need to provide the following documents: a valid passport or ID, a residence permit (if applicable), proof of income (such as an employment contract or salary certificate), and a credit history or rental history document. Additionally, you may need to provide a Finnish personal identity code (henkilötunnus), which can be obtained from the Local Register Office (Maistraatti).

Do I need a lawyer when renting an apartment in Finland?

It is not typically necessary to hire a lawyer when renting an apartment in Finland, as the process is relatively straightforward. However, if you have concerns about the lease agreement or encounter legal issues, consulting with a lawyer can provide peace of mind and protect your interests. Legal fees vary, but you can expect to pay around €100-€200 per hour for legal consultation.

How long is the typical lease for?

The typical lease duration in Finland is one year, with the option to renew or extend the agreement. Some landlords may offer shorter or longer lease terms, depending on their preferences and the property's availability. Fixed-term leases are less common but can be arranged if both parties agree.

Do I have to pay a deposit?

Yes, it is common to pay a security deposit when renting an apartment in Finland. The deposit is usually equivalent to one or two months' rent and is refunded at the end of the tenancy, provided the property is returned in good condition. The deposit must be kept in a separate, interest-bearing account by the landlord.

What other upfront costs are there when renting?

In addition to the security deposit, upfront costs may include the first month's rent, a broker's fee (if you used an agency), and any administrative fees charged by the landlord or property management company. These fees are not regulated and can vary, so be sure to inquire about them before signing a lease.

Are utilities included?

Utilities are not typically included in the rent in Finland. Tenants are usually responsible for setting up and paying for their own electricity, water, and internet services. Utilities can be expensive, especially during the colder months when heating is required. Be sure to factor these costs into your budget when searching for a rental property.

Are furnished or unfurnished rentals more popular?

Unfurnished rentals are more popular in Finland, and they typically include basic kitchen appliances such as a refrigerator, stove, and sometimes a dishwasher. Furnished rentals are less common but can be found, especially in larger cities and areas with a high student population. Furnished apartments usually include essential furniture and kitchen appliances, but the specific items may vary depending on the landlord," said one expat living in Finland.

Expats Talk about What Type of Housing They Live In

"Tower block in the suburbs but not nearly as grim as I imagined. It's clean, modern and there's even a washer and sauna room. Might be because it's subsidised young people's housing. All the other ex pats I know have had to take jobs as nannies/au pairs so they live with their employers," said one expat living in Helsinki.

Expats Talk about How they Found their Home

"I moved in with my partner so that was fairly simple. He's lived here most of his life," commented an expat living in Helsinki.

"One of the best ways to find a place to live in Finland is to use online rental platforms such as Vuokraovi.com or Tori.fi. You can also search for rental properties on the websites of local newspapers, such as Helsingin Sanomat or Aamulehti. Additionally, you can contact local real estate agents who specialize in rental properties. Finally, you can also look for rental properties on social media platforms such as Facebook or Instagram," said an expat in Finland.