Digital home sales in Finland are becoming more common, with electronic transactions accounting for 71 per cent of estate agent-handled sales of existing housing company shares in September 2026, according to figures released by digital housing transaction platform DIAS.
The increase marks a significant shift in how homes are bought and sold in Finland. In September 2025, digital transactions represented 57 per cent of these sales. Twelve months later, the proportion had risen by 14 percentage points, despite a decline in the overall number of transactions handled by estate agents.
Figures published by DIAS, based on data from Statistics Finland, show that the move towards electronic property transactions continued across every region monitored separately by the national statistical agency during the first nine months of 2026.
Northern Finland recorded the strongest growth, with the proportion of electronic transactions increasing by 17 percentage points compared with the same period in 2025. The Helsinki metropolitan area and its surrounding municipalities also experienced substantial increases, with digital transactions rising by approximately 15 percentage points in each area.
Despite the nationwide shift, the use of digital transactions is not yet uniform across Finland. In some regions, more than 80 per cent of housing company share transactions handled by estate agents are completed electronically. In others, the figure remains close to 50 per cent, meaning that a considerable number of buyers and sellers still finalise their transactions through traditional bank branches.
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The figures point to a gradual change in the practical side of buying and selling homes. Rather than arranging meetings at banks to complete the necessary paperwork, an increasing number of buyers and sellers can now handle property transactions electronically.
The growth becomes more notable when compared with the wider housing market. Between January and September 2026, digital housing company share transactions increased by 9 per cent compared with the corresponding period a year earlier. However, the total number of housing company share sales handled by estate agents fell by approximately 11 per cent over the same period.
This means that electronic transactions are gaining a larger share of the market even as fewer homes are changing hands through estate agents. The figures therefore reflect a change in how property deals are completed, rather than an overall recovery in housing sales.
DIAS also reported continued activity in October 2026, when its platform recorded its third-busiest month for property transactions. Estate agents completed 3,049 transactions through the service, consisting of 2,274 housing company share sales and 775 property transactions.
The property category includes detached houses, holiday homes and plots of land. While digital housing company share transactions in October remained close to the level recorded in October 2025, digital property transactions increased by 18 per cent year on year.
Across the first ten months of 2026, the combined number of housing company share and property transactions completed through DIAS increased by 12 per cent compared with the same period in 2025.
The distinction between these figures is important when interpreting developments in Finland’s housing market. DIAS records transactions completed through its own digital platform, not every property sale across the country. Its regional comparison also measures the proportion of estate agent-handled transactions completed electronically. It does not measure changes in property prices, the value of homes sold or the overall number of housing transactions in each region.
Nevertheless, the figures show that digital processing is becoming an increasingly common part of Finland’s property market, even during a period when traditional housing sales handled by estate agents have declined.
