Aktia Real Estate

What Aktia Real Estate does

Aktia LKV (legal name Aktia Kiinteistönvälitys Oy, also branded Aktia Fastighetsförmedling in Swedish) is a Finnish real estate brokerage firm headquartered in Helsinki, operating as a wholly-owned subsidiary of Aktia Bank (Aktia Pankki Oyj). The company was founded in 2006 and provides brokerage services for residential property sales, purchases, valuations, and rental management across the Finnish coastline from Loviisa through the Helsinki metropolitan area to Turku, with additional coverage in Ostrobothnia (Vaasa, Jakobstad/Pietarsaari) and Åland. Its physical offices in Helsinki, Porvoo, Inkoo, and Kirkkonummi are co-located within Aktia Bank branches, which constitutes the core of its distribution and lead-generation model alongside digital channels (aktialkv.fi, Oikotie portal, regional Facebook/Instagram/LinkedIn pages) and a network of approximately 50 traveling brokers.

The core service is transaction-fee brokerage: commissions are tiered at 3.9% for web-only marketing assignments, 4.5% for apartments, 4.96% for properties, and 5.6% for special objects, with a minimum of €2,900 per transaction (all prices incl. VAT 25.5%). Ancillary revenue streams include written and oral valuations (€200-€800), purchase-agreement drafting (from €500), rental commissions (one month's rent, min €450), and a buyer-representation service (Ostotoimeksianto, min €3,000 incl. VAT 24%). Customer segments span individual home buyers and sellers (primary), property investors, and vacation-home seekers, with a horizontal segmentation approach and bilingual Finnish/Swedish service.

Operationally, the company operates as a relationship-driven, broker-led service with no proprietary technology platform disclosed and no AI/ML capabilities evidenced. Its competitive position rests on the Aktia Bank distribution partnership, localized regional expertise across multiple sub-markets, and bilingual service delivery. Strategic emphasis is on regional office expansion and multi-channel digital marketing rather than product or technology differentiation.

Name

Aktia Real Estate

Legal name

Aktia Kiinteistönvälitys Oy

Website

https://aktialkv.fi

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Aktia LKV is a Finnish residential real estate brokerage subsidiary of Aktia Bank, operating approximately 50 brokers across coastal Finland from Loviisa to Turku plus Åland and Ostrobothnia, delivering property sales, purchases, valuations, and rentals via commission-based transactions sourced primarily through bank-branch referrals and the Oikotie portal.

Ownership category

akta.pro rank

Product category

Real Estate Brokerage

NAICS

Offices of Real Estate Agents and Brokers (5312), Real Estate Property Managers (53131)

SIC

Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Real Estate Buyer Representation (FSAEAJAG)

Keywords

• Real estate brokerage
• Residential property sales
• Property valuation
• Rental management
• Buyer representation

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Real Estate Brokerage Commissions: Commission-based real estate brokerage services. Fees are charged as a percentage of the transaction value, with different rates for apartments (4.5%), properties (4.96%), and special objects (5.6%). Minimum commission is 2,900 EUR. Additional services include valuations (200-800 EUR), document preparation (from 500 EUR), and rental commissions (one month's rent).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Aktia Real Estate (Aktia LKV / Aktia Kiinteistönvälitys Oy) is a Finnish real estate brokerage that intermediates residential property transactions, providing property sales, buyer representation, property valuations, rental management and document preparation services. The firm operates multiple regional branch offices in Finland and is closely affiliated with Aktia Bank, leveraging bank referrals as a customer acquisition channel.

Product overview

Aktia LKV operates as a real estate brokerage platform offering property sales, purchases, rentals, and valuations across Finland. The core product is the Aktia LKV brokerage service, supported by regional offices throughout the Helsinki metropolitan area and western Finland. Additional services include rental listings (Vuokra-asunnot) and buyer representation (Ostotoimeksianto) for clients seeking properties not actively marketed.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Property Sales Brokerage
• Buyer Representation
• Property Valuation
• Rental Property Listings
• Property Marketing and Document Preparation

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Aktia BankcoreStrategic or Co-development PartnerAktia LKV operates in partnership with Aktia Bank, functioning within bank branch locations. The company name derives from the bank affiliation (Aktia Kiinteistönvälitys / Aktia Fastighetsförmedling). Services include referrals from bank customers and integrated financial service offerings. The company's physical offices are located within Aktia Bank branches.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kiinteistömaailma: One of Finland's largest residential real estate brokerage franchise networks with nationwide coverage, comparable commission-based service mix (sales, valuations, rentals) and similar broker-headcount model to Aktia LKV.
• Habita: International real estate brokerage franchise with Finnish operations offering residential sales, rental, and relocation services; directly comparable in service portfolio and commission-based economics.
• Huoneistokeskus: Established Finnish residential brokerage providing sales, rental, and valuation services across the Helsinki metro and broader regions; competes head-to-head with Aktia LKV for the same individual buyer/seller personas.
• Sp-Koti: Brokerage arm of Säästöpankki (Savings Banks), another Finnish bank-affiliated real estate operation; mirrors Aktia LKV's bank-channel distribution model, leveraging branch referrals and integrated financial services.
• OP Koti: OP Group's real estate brokerage arm; structurally analogous to Aktia LKV as another Finnish bank-affiliated brokerage offering residential sales, valuations, and integrated mortgage referral through OP Financial Group's branch network.
• RE/MAX Finland: Master franchise of the RE/MAX network in Finland; competes for individual broker talent and the same buyer/seller customer base via a franchise model with comparable commission splits and listing services.

Broad incumbents

• Engel & Völkers Finland: Premium international brokerage franchise operating in Finland; overlaps with Aktia LKV in premium coastal and archipelago markets but serves a higher-end niche with global referral flow.
• Sotheby's International Realty Finland: Luxury property affiliate of the global Sotheby's network; relevant peer for Aktia LKV's high-end coastal and summer-cottage listings where premium service expectations overlap.
• Skanska Kodit: Nordic developer Skanska's residential sales arm in Finland; competing brokerage and developer-aligned sales channel for new-build properties that intersect with Aktia LKV's buyer-representation services.

Regional players

• Fastighetsbyrån: Sweden's largest real estate brokerage chain and a useful regional benchmark; doesn't compete in Finland but operates with the same residential brokerage model and coastal/swedish-speaking market emphasis relevant to Aktia LKV's positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xinstagram.com/aktia_lkv
• Facebookfacebook.com/aktialkvpaakaupunkiseutu
• LinkedInlinkedin.com/company/aktia-lkv
• Instagraminstagram.com/aktia_lkv

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aktia Real Estate