Ask us, for example, about...

...the finances, management, maintenance...

Everything you need to know about the home you're buying, in one easy-to-read report.

Did you know that...

There are many things to consider when buying a home. Extensive prior information is needed to make the most of buying a home. Instead of spending weeks trying to find out, you will receive the information from us within 24h of your order.

The easy-to-read report gives you a deeper insight into the property you’re buying, so you don’t have to worry now or later whether you’ve made a good deal.

In the report, we analyse the critical issues of the housing company in question, so you can proceed with the purchase of your home, without the stress and fear of closing the deal. The analysis will tell you whether it makes sense for you to make the biggest investment of your life in this particular property.

The seller of the home or the realtor handling the sale must inform you of all the facts they know or ought to know about the decision to buy. The seller and the realtor are bound by a legal obligation to provide information. The buyer and the realtor, on the other hand, are also bound by a legal duty of disclosure (and the realtor by a specific duty of disclosure if necessary), so due diligence is required from all parties to the transaction. It is also worth noting that the consumer protection laws only apply when the sale of the dwelling is handled by a broker and/or estate agent. The Consumer Protection Act does not apply to trade between consumers. That’s why we encourage you to avoid buying from a private seller!

Fortunately, as a buyer, you don’t need to be aware of all the regulations or similar. We are! We know both real estate law and Good Real Estate Practice. We also monitor the housing market and can read and interpret documents, including between the lines. For you!

See below for a more detailed description of the different areas of our services!

This is how we help you:

The condominium's finances

Since it is a housing COMPANY, its finances must be taken care of in exactly the same way as in any other company. However, a housing company differs from other limited companies in that it is not intended to make a profit. But it too must ensure that its income is sufficient to cover its expenditure. We check the company's budgeting performance, calculate its gearing and assess its chances of meeting its obligations in the future.

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Governance of the company

In a housing company, the highest decision-making power is exercised by the general meeting, which decides, for example, on the election or dismissal of the board, its discharge, the budget and other major issues. Day-to-day management is the responsibility of the property manager and the board, who are responsible for ensuring that the decisions of the general meeting are complied with and for ensuring that the company's operations are secure and that its value and condition are at least maintained. We assess the success of the administration and check that everything is being done properly.

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Technical condition of the company

We go through the maintenance history of a building and see what has been done and/or what should have been done during its life cycle. We use technical lifetimes of structures and equipment, which are strongly indicative, to assess the situation. Based on the history, we assess the content of the statutory remediation plan prepared by the company and outline what measures are expected in the near future and their expected timing.

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Price level

No one wants to pay for an apartment in the so-called. overprice. However, it is almost impossible to determine the exact selling price, as both apartments and housing companies are all different. Therefore, we will not claim to know the "right" price for every home. However, we are able to estimate the right price range. We look at the prices of comparable actual transactions using professional statistical tools and databases. These give us the average price per square metre, which makes it easy to estimate the so-called for a dwelling. current price. We also use the same methodology to estimate the cost of housing, i.e. the level of the management fee and any other similar costs.

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Zoning of the area

The living environment plays a big role in the quality of life. We will go through the zoning situation in the area and any related plans. Such as whether there are any ground-breaking construction projects underway in the area, what services and transport connections are available in the area.

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The buying process

We are with you throughout the whole buying process. Once you've chosen a property and verified it with our help, we'll assist you with the offer negotiation and bidding process, and finally we'll review all the documents related to the transaction before you sign.

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Absolutely! We serve every home buyer. For us, the most important thing is that you, as a home buyer, are clear about what you're getting into. Even if you have bought a home in the past, the way you buy a home may have changed over the years and the old ways or rules may no longer work. However, we are dealing with the issue every day and our knowledge is constantly updated to reflect the current situation in the environment.

We aim to deliver it Within 24 hours of order. If you're in a hurry, let us know and we'll try to get the job done even faster.

This is our goal, but its realisation ultimately depends on how "easy" the target is to assess. For example, if a detail requires further clarification from a third party (real estate agent, property management company, government, etc.), we may not be able to get all the answers within the target time. However, in such situations, we will keep you informed at all times.

The properties are very different from those in the form of housing companies. And from each other. Therefore, there is no fixed package for them, the contents of which can be unlocked in advance.

However, we are also able to assist with real estate transactions. The focus is on documentation, such as transaction documents.

Real estate transactions have their own rules, such as the deed itself, which must be in a specific form, unlike in the case of a shares of the housing company. If you are considering a real estate transaction and need help in doing so, contact us directly to see what kind of service you need and what kind we offer!

No, because we are not a brokerage firm.

We'll help you with that! Together we will assess your wishes and help you find the property you are looking for on the public market(Premium package). If you want to outsource the entire search process, we recommend you contact your chosen estate agency for a purchase mandate.

Unfortunately, we cannot give such a guarantee. But we guarantee that we will use all our skills and expertise to assess the transaction you are considering. As we all know, predicting is difficult, especially the future, and so we can never be sure what surprises the world will bring.

In the end, it doesn't matter, because it's always the owner who sells the home. The broker mediates.

In residential property transactions, the seller always has a duty of disclosure, which obliges him to tell the buyer all information that may influence the decision to buy. The buyer, on the other hand, has a duty of accountability.

The real estate agent is bound by both: he or she must also tell the buyer all the information that may influence the decision to buy, and he or she must also clarify such matters. In addition to this, the real estate agent is also bound by a special duty of explanation if he has not been informed of all the necessary information or if he suspects that some of the information is unclear or incomplete.

It is also good to know that the Consumer Protection Act does not apply to consumer-to-consumer transactions!

Because we need to know our customers. Buying a home is a big deal for you, and buying your home is a big deal for us too!
We process confidential information when providing the service and we want to ensure that we are authorised to process it and therefore we need to know from whom we have received it. Once you have registered, you will receive an email asking you (Yes, once again. Here we go) to confirm that you have given us permission to send you emails relating to your subscription. So we're not sending you news or other similar mail, just information about your order! We will not sell your data to third parties (see also our Privacy Policy).Once registered, you will have access to your own website where you can, for example, view your data, your orders and where you can download the reports you have ordered.

Don't be shy,

...reach out!
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Forced to bang your brains out, ...

…because we have a history of delivering ordered services quickly, often talking about hours. We understand that the pressure to buy once you find the home of your dreams is intense, which is why we promise delivery within 24 hours of your order. At the latest. This way, you don’t have to hold your breath in your shopping pants for an unnecessarily long time.

One report

There are quite a lot of different documents involved in a housing transaction, ranging from a sales brochure to a floor plan to an audit report. All are necessary for the evaluation, but it is still possible to summarise the essentials in plain language in a single report. Good riddance to the legalese and welcome the core facts with one (1) single report!

Trade documents

Even if the deed of sale of a residential property is a free-form deed, it should still contain all the essential information. We will check that this is the case. We will also check all the annexes that go on the side of the deed, i.e. the entire bundle of documents. You can then breathe a little easier as you sign the deed to your new home.

Negotiated bidding

We are here to help you negotiate your offer. We tell you what to look out for, what to ask the seller/agent and how to interpret the answers. And what conclusions can be drawn from the situation

Making a takeover bid

There is more to a takeover bid than just the price offered. We will help you to identify critical issues and check that all the agreed issues are properly recorded in the offer. And only the agreed things. So that you can sign it with confidence.

Sales price

And by that we mean the final price. We also take into account any company debt and the plot share. We compare the price to other comparable realised transaction prices in the area, not to asking prices. Apartments are always individual, and their equipment and condition vary greatly. However, we will find out if the price area is reasonable and acceptable.

Level of care

We estimate the level of the management fee charged by the company compared to other comparable housing companies in the area. We also look at whether the level has been right for the costs and whether there are clear upward pressures.

Zoning of the area

We’ll find out if there are any zoning changes afoot, or if that sea view you bought at great cost is about to disappear behind a new tower block in a year’s time. Or whether there are some less radical things happening around the place you are considering.

Management of the housing company

We look at how the management of the company has performed, including both the management and the board. Has the management been concerned only with making savings at every point or with keeping the company in good shape and maintaining or even increasing its value? 

Future renovation projects

We assess what kind of renovation projects are expected in the near future and the timeframe in which they can be expected to take place.  We might also throw in some guesses as to the expected costs!

Repair history

We look at when and what measures have been taken in the company and mirror them against the technical lifetime of each item. For example, we use the definitions of the Finnish Building Information Foundation RTS and the Central Association of Plumbing and Heating. This allows us to estimate whether the company has a repair debt.

Housing company finances

We carefully read through the company’s balance sheet and annual report, calculate the company’s indebtedness, liquidity and assess the overall financial situation. We compile our findings into a plain-language report that gives you an overview of the company’s situation.