sp-koti

What sp-koti does

Sp-Koti Oy is the central management entity of a Finnish nationwide franchised real estate brokerage chain, operating as a subsidiary of the Savings Banks Group (Säästöpankkiryhmä). The chain runs approximately 66–80 franchise offices across Finland, including major urban centers (Helsinki, Espoo, Turku, Tampere, Oulu, Jyväskylä, Kuopio) and smaller regional towns (Lahti, Lammi, Imatra, Loviisa, Porvoo, Kotka, Kouvola, Orimattila). Sp-Koti serves residential property buyers, sellers, landlords, and tenants, with services spanning apartment shares, detached real estate, holiday/cottage properties, forest holdings, new construction (including RS-system developer sales), and estate sales (kuolinpesä). The chain completes approximately 5,000 property transactions annually, reporting a Net Promoter Score of 84 and a customer satisfaction score of 9.4/10.

The technology stack consists of standard Finnish real estate brokerage infrastructure: the KIVI (Kiinteistönvälitysjärjestelmä) property management system for listings and transaction records, and the Dias (Digital Asuntokauppa) platform for electronic property transaction signing and processing. Sp-Koti operates the proprietary Sp-Koti Academy (Sp-Koti Akatemia), an electronic learning environment delivering structured training tracks (including the Mestari/Master certification) in sales, customer service, marketing, negotiation, and legal compliance with the KVKL Hyvän välitystavan (Good Brokerage Practice) standard. No proprietary AI/ML capabilities are disclosed.

Revenue is generated primarily through transaction commissions on a percentage-of-debt-free-price basis: 3.5% (min €3,500; €4,500 for estates) on apartment shares and 4.5% (min €4,500; €5,500 for estates) on real estate, plus rental brokerage at 1.255× monthly rent (min €600), written property valuations (up to €1,500–€2,500), and ancillary document, consultation, staging, and photography services. The GTM is sales-led through licensed agents (kiinteistönvälittäjä, LKV credentialed) operating under franchise agreements, complemented by direct-to-consumer digital channels (spkoti.fi property search, monthly newsletter, Facebook/Instagram/LinkedIn), a €500 gift card referral program, and structural cross-referrals with Savings Bank branches for mortgage financing. Sp-Koti Oy captures central unit revenue (brand, technology, training, franchise oversight), while the majority of gross commissions accrue to the independent franchisees operating the local offices.

Name

sp-koti

Legal name

Sp-Koti Oy

Website

https://spkoti.fi

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Sp-Koti is a Finnish nationwide franchised real estate brokerage chain owned by the Savings Banks Group, operating approximately 80 offices across Finland. It serves residential buyers, sellers, landlords, and developers with full-service property transactions, integrating Savings Bank mortgage services and proprietary agent training via Sp-Koti Academy.

Ownership category

akta.pro rank

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Real Estate Commission (Välityspalkkio): Sp-Koti charges commission fees for property sales. For apartment shares: 3.5% of debt-free price with minimum 3,500 € (4,500 € for estates). For real estate: 4.5% of debt-free price with minimum 4,500 € (5,500 € for estates).
2. Property Valuation (Arvio): Written property valuation up to 1,500 € for apartments, up to 2,500 € for real estate. Oral valuations during sales situations are free.
3. Rental Services (Vuokrauspalvelut): Rental brokerage commission at 1.255 times one month's rent with minimum 600 €, plus documentation fees up to 500 € and agreement preparation fees of 500 €.
4. Document Services (Asiakirjapalvelut): Contract preparation, transaction confirmations, and documentation services. Includes kauppakirja (purchase agreement) preparation up to 1,500 €, transaction confirmation 143 € per transaction.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Sp-Koti operates a nationwide franchised real estate brokerage chain in Finland with approximately 80 office locations. It provides licensed agents who handle residential property buying, selling, and rental brokerage from initial valuation through transaction closing. Supplementary services include property valuations, bidding/negotiation support, purchase assignments, forest holding brokerage, and access to housing loans through its Savings Bank partnership.

Product overview

Sp-Koti is a nationwide franchised real estate brokerage chain belonging to the Savings Banks Group, operating approximately 66-80 office locations across Finland. The core offering consists of property selling (Asunnon myynti) and property buying (Asunnon osto) services, supplemented by property rental, forest holding brokerage, purchase assignments, and bidding services. The service portfolio includes specialized sub-products for different property types: apartment shares, detached properties, holiday properties/cottages, new construction projects, and estate sales. Supporting services include property valuation, housing loans through Savings Bank partnership, and the Sp-Koti Academy training program. The chain leverages approximately 5,000 annual property transactions, 84 NPS recommendation index, and 9.4 customer satisfaction score.

Differentiator

Problem solved

Functional benefit

Products and services

• Asunnon myynti (Property Selling) Full-service brokerage for homeowners selling residential property. A licensed Sp-Koti agent manages the entire sales process from initial pricing assessment and marketing through buyer viewings, negotiations, legal documentation, and transaction closing, following Hyvä välitystapa guidelines and applicable Finnish law.
• Asunnon osto (Property Buying) Brokerage assistance for individuals and families purchasing residential property, including first-home buyers and upgraders. Sp-Koti agents help identify suitable properties, coordinate viewings, advise on pricing and neighborhoods, and navigate the purchase process through closing, with mortgage coordination through the Savings Bank partnership.
• Asunnon vuokraus (Property Rental) Rental brokerage service for landlords and tenants. Sp-Koti agents handle tenant search, rental contract preparation, and related documentation, charging 1.255× the monthly rent (minimum €600) plus inspection and contract preparation fees.
• Metsätilan myynti ja osto (Forest Holding Brokerage) Specialized brokerage service for the sale and purchase of forest properties, rural land, and agricultural estates, including forest estate transactions and rural property consultation.
• Asunnon hinta-arvio (Property Valuation) Written and oral property valuation service. Oral valuations during active sales mandates are free; standalone written valuations are priced up to €1,500 for apartments and up to €2,500 for real estate. The pricing visit is non-binding and obligation-free.

Quantifiable outcome

• Average 5,000 property transactions completed annually
• +3 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Säästöpankki (Savings Bank)coreStrategic or Co-development PartnerSp-Koti is a subsidiary of the Savings Bank Group (Säästöpankkiryhmä). Savings Banks provide mortgage financing and referrals to Sp-Koti customers, while Sp-Koti agents refer customers needing financing to Savings Banks. The partnership is structural and co-dependent - Sp-Koti's central unit is owned by Savings Banks, and offices are often co-located. This partnership provides Sp-Koti with financial backing, brand credibility, and referral pipeline.
• If Vahinkovakuutus Oyj (If Insurance)minorOthersIf Insurance provides legal protection insurance (oikeusturvavakuutus) for property transaction parties through the Sp-Koti brokerage system. Customers purchasing property through Sp-Koti can receive this coverage as part of the group insurance scheme.
• KIVI (Kiinteistönvälitysjärjestelmä)coreTechnology or IntegrationProperty management system used by Sp-Koti for listing properties, managing transactions, and customer data. This is the core operational technology for the brokerage chain.
• Dias (Digital Asuntokauppa)coreTechnology or IntegrationDigital property transaction platform enabling electronic signing and processing of real estate sales. Banks handle payments, share transfers, and registrations digitally through this system.
• KVKL (Kiinteistönvälitysalan Keskusliitto)minorOthersFederation of Real Estate Agency provides industry standards, guidelines (Hyvä välitystapa), training resources, and market data. Sp-Koti agents are committed to following KVKL's good brokerage practice guidelines.
• Keskuskauppakamarin Välittäjälautakunta (Central Chamber of Commerce Brokerage Board)minorOthersIssues licensing examinations (LKV, LVV) for real estate agents and maintains standards for the profession. Sp-Koti agents hold LKV (licensed) and other professional certifications.
• Kiinteistönvälitysalan Keskusliitto (KVKL) HSP (Hintaseurantapalvelu)minorOthersProperty transaction data is shared with KVKL's price monitoring service. This data helps maintain market transparency and pricing benchmarks.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• OP Koti: Real estate brokerage arm of OP Financial Group, Finland's largest banking group. Directly comparable to Sp-Koti as a bank-affiliated brokerage leveraging embedded mortgage referrals and a national agent network to serve buyers and sellers.
• RE/MAX Finland: International real estate franchise operating in Finland through independently owned brokerages. Comparable to Sp-Koti in franchise-based distribution, residential focus, and reliance on local agents for transaction execution.
• Aktia Kiinteistönvälitys: Bank-affiliated residential real estate brokerage tied to Aktia Bank in Finland. Comparable to Sp-Koti in leveraging a banking parent for cross-referrals and offering a national footprint of brokerage offices.
• Huoneistokeskus: One of Finland's largest real estate brokerage chains, similarly offering residential buying, selling, and rental services through a national office network. Directly comparable to Sp-Koti in customer segments, service scope, and franchise-style agency model.
• Kiinteistömaailma: Established Finnish residential real estate franchise chain with a national branch network and licensed agents. Closely comparable to Sp-Koti in offering residential brokerage, valuation, and rental services through independently operated offices across Finland.
• Solid House Oy: Finnish real estate brokerage with a multi-office national presence focused on residential sales and rentals. Comparable to Sp-Koti in core residential brokerage services and target customer segments.

Others

• Oikotie Asunnot: Major Finnish property listing portal operated by Schibsted. Comparable to Sp-Koti as a critical digital channel for buyer demand, and a structural threat to traditional broker intermediation.
• Etuovi: Finland's leading property listing portal aggregating broker and private listings. Comparable to Sp-Koti as the dominant upstream lead-generation channel for Finnish residential real estate, though not a competing brokerage.
• Sato: Large Finnish residential rental housing owner-operator. Comparable to Sp-Koti in operating at scale in Finnish residential real estate, though as a landlord rather than a broker; relevant for rental side demand and competitor dynamics.

Regional players

• Engel & Völkers Finland: International luxury-focused real estate brokerage with a presence in Finland's premium markets. Comparable to Sp-Koti in offering licensed agent-led brokerage, but focused on higher-end residential and serving a narrower segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/spkoti.fi
• LinkedInlinkedin.com/company/sp-koti
• Instagraminstagram.com/spkoti
• Xx.com/Sp_Koti

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

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 sp-koti