Varainsiirtovero is 3% or 1.5%, depending on what you actually own
Finnish transfer tax has two rates, and which one you pay turns on the legal form of the home rather than its price. Buying real property, a house and the land under it, is taxed at 3%. Buying shares in a housing company, which is how most Finnish flats are owned, is taxed at 1.5%.
The calculator models the 3% real-property case. If you are buying an asunto-osakeyhtiö flat, halve the transfer-tax line.
The first-home exemption, which used to remove the tax entirely for a buyer under 40, was abolished at the start of 2024 when the rates were cut. There is no relief to model any more: everybody pays.
No mortgage insurance, a statutory loan cap instead
Finland has no mortgage insurance. The Financial Supervisory Authority's loan cap does the work: borrowing is limited to 90% of the collateral value for a first home and 85% otherwise, so a deposit is a regulatory requirement rather than something a premium can substitute for.
Kiinteistövero is set by each municipality within statutory limits, and the permanent-residence band runs from 0.41% to 1.00% of taxable value. Taxable value is not market price, so the 0.5% of price used here is an equivalent rather than the rate on your own tax decision. Buying costs are unusually low, about 0.5% for registration, survey and legal work, because a real-property sale is attested by a public purchase witness rather than drawn up by a notary in the continental sense.