Finland offers a stable economy and political calm, ideal for investors seeking long-term security and sustainable growth. The Finnish market is reliable and transparent, and with growing demand for ecotourism and sustainability, Finland offers excellent opportunities, especially in unique areas such as Lapland, which is known for its natural beauty, excellent winter sports facilities and luxury holiday accommodation.

Sustainability and ecotourism

Finland is known worldwide for its sustainable building practices, and the real estate market is responding to the demand for energy-efficient, ecologically sound holiday accommodation. Wooden houses, such as those at Polarhouse, fit well with this sustainable vision.

Ecotourism: Lapland is attracting more and more visitors every year with pure nature and
authentic experiences such as the northern lights, the midnight sun and the Finnish sauna.

Sustainability standards: Energy-efficient and ecologically sound houses, such as those
from Polarhouse, meet strict standards and attract investors who value
value sustainable real estate.

Climate and seasonal tourism

Finland offers a stable winter sports season from November to May in Lapland, where the long,
snowy winter is ideal for tourism. The short days in winter create a
fairytale atmosphere with snowy landscapes, husky rides, wellness, the northern lights and Father Christmas in Rovaniemi. In summer, on the other hand, northern Finland offers long days with the midnight sun, making summer tourism increasingly attractive for activities such as hiking, cycling and water sports.

Popular regions

Lapland: Offers pristine nature, Sami culture and winter sports opportunities. Popular
locations such as Levi and Rovaniemi have a strong tourism infrastructure and
excellent rental opportunities.

Lakes Region (Lakeland): Known for its tranquillity and nature, ideal for holidaymakers looking
in search of relaxation. The more than 50,000 lakes in this region offer opportunities for
high-quality, sustainable holiday accommodation.

Archipelago and Coastal Areas: A unique region for summer activities such as sailing and fishing, with picturesque villages and a relaxed atmosphere. The archipelago is ideal for year-round rental of waterfront holiday homes.

The benefits of renting out your property

Renting out your holiday home in Finland can be financially attractive, especially if it is located in a popular region. Tourists are often willing to pay premium prices to stay in beautiful locations, such as on a lake or near ski resorts. The possibility of year-round rentals makes Finland particularly attractive for holiday home rentals. Ski holidays are in high demand in winter, while the summer months invite activities such as hiking, cycling and fishing.

Besides the potential rental income, renting out in Finland also offers the chance to use your property whenever you want. You can rent out the house when it is not in use, and it remains available to you during the periods you need it. This makes it a flexible and profitable investment.

Financing options for foreign buyers

One of the advantages of buying a holiday home in Finland is that foreigners have the right to buy property. The process is fairly straightforward, but it is important to note that financing options for foreigners may be different from those for Finnish nationals.

Most Finnish banks offer mortgages for foreigners, but the terms may vary. Usually, foreign buyers are expected to pay a higher down payment, often between 30% and 40% of the purchase price. This means you need to have a significant amount as your own deposit to qualify for a mortgage in Finland.

In addition, banks may impose additional requirements, such as proof of income and an assessment of your creditworthiness. It is important to contact Finnish banks or a local financial adviser beforehand to understand the financing options and documents required.