Our story
Why we built KotioAI
When we were hunting for our first home together, we drowned in manager's certificates, cryptic terms and hidden costs. We built KotioAI so you wouldn't have to.
Your own buyer's agent for Finnish homes
Know which homes are actually worth visiting.
You bring any Finnish listing, and we go through it like your own agent: we weigh it against your budget and life, surface the hidden costs and housing-company risks, and tell you what to check before you view.
Free to try — your first verdict in under a minute.
Fully supported todayFinlandComing next: Sweden, Norway, Denmark, Netherlands
Example analysis
KotioAI sees what you don't
A listing shows one price and one fee. KotioAI calculates the real total cost and surfaces the risks few buyers know to check.
KotioAIAnalyzing
Apartment
78 m² · Helsinki
Listing price
350 000€
What makes it up
Sale price
Housing-company debt share
you pay this either way
Pipe renovation (plan 2028)
upcoming, not in the price
Façade renovation
only in the AGM minutes
+105 000 € more than the listing shows
Check before you bid · first analysis €4.99
KotioAIAnalyzing
Apartment
78 m² · Helsinki
Real monthly cost
1 240€/mo
What the listing doesn't tell you
Pipe renovation due 2028
In the maintenance plan, not in the price. Estimated share ~40 000 €.
Façade renovation coming — not yet in the plan
Discussed at the AGM. Few buyers read the minutes.
Leasehold plot — lease ends 2031
Rent can multiply and raise the fee. Not shown in the price.
Financing fee is expensed, not capitalised
You pay monthly, but your debt share never shrinks. This isn't written anywhere.
Found in 30 seconds.
Check before you bid · €4.99
How it works
Three steps from listing to decision
The listing comes from your own device — and the analysis is instant.
01
Add a listing
Paste a link, drop a PDF, snap a screenshot, or use the one-click bookmarklet. The data comes from your device.
02
We go through it
We weigh the home against what you're after and the rules of Finnish home-buying, and explain the risks in plain language — no jargon.
03
Decide with confidence
See the true monthly cost, the questions to ask, and whether it's worth half a day to visit.
app.kotioai.fi/home/mantyrinne-4a
Listing photo
Mäntyrinne 4 A, Espoo
Apartment · 72 m² · built 1998 · Tapiola
Worth a visit
Strong fit · high confidence
Price
285 000 €
€/m²
3 958
Size
72 m²
Built
1998
True cost of ownership1 510 €/mo
Mortgage (80% · 25 yr · 4.5%)1 040 €
Hoitovastike 268 €
Rahoitusvastike 142 €
Utilities (est.) 60 €
What to be careful about
Pipe renovation due 2028Risk
In the maintenance plan, not in the price. Estimated share ~40 000 €.
Leasehold plot — lease ends 2031Heads-up
Rent can be re-set and raise the monthly fee. Not shown in the price.
Questions to ask at the visit
? What repairs does the PTS plan for the next 5 years?
? What is the remaining lainaosuus and current rahoitusvastike?
? When does the plot lease end and how is the rent indexed?
An example home opened in KotioAI.
What you get
Your buyer's agent, for every listing
The headline feature
AI buyer-agent verdict
An honest read on fit and risk — and a straight call on whether it's worth going to see. No listing-copy optimism.
Worth visiting
high confidence
Add listings any way
Screenshot, PDF, link or bookmarklet — KotioAI reads the price, size, fees and details for you.
True cost of ownership
Hoitovastike, rahoitusvastike, debt share and financing rolled into a real monthly figure.
Document analysis
Upload the isännöitsijäntodistus, PTS or financials and get the risks explained in plain terms.
Shared workspaces
Search together with your partner — same listings and notes, separate logins. No shared password.
Built for Finland
Putkiremontti, vuokratontti, asumisoikeus and the rest of Finland's quirks — KotioAI knows them like a seasoned buyer's agent and surfaces what actually matters here.
Your search stays yours
KotioAI never connects to listing portals. Every listing detail comes from you — a link, a PDF, a screenshot, or the bookmarklet running in your own browser. Your homes, ratings and documents are private to your workspace.
01
Works with any listing site — you bring the listing, and only you see it.
02
Your data isn't sold or shared; delete your account any time.
03
Your documents are analysed only for you — never shared or kept for anyone else.
Questions
Good to know
Does KotioAI work with any Finnish listing?
Yes — you bring the listing (link, PDF, screenshot or the bookmarklet) and KotioAI reads it. It never connects to the portals itself.
Do I need an account to try it?
You can explore as a guest. Create a free account when you want to save listings and search across devices.
Is my data private?
Yes. Listing details come from your device, your workspace is private, and you can delete your account and data whenever you like.
Can my partner and I use it together?
Yes — create a workspace and share an invite code. You each have your own login but see the same shortlist.
Find your home with an agent on your side
Add your first listing and see the verdict in under a minute.
Get started free