Finit

What Finit does

Finit is a Norwegian consumer-finance platform that offers a co-ownership (deleie) product for first-time homebuyers who lack the 10% equity required by Norwegian mortgage regulations. Founded in 2021 in Oslo by Benjamin Haskel (CEO) and Nicolai Q. Hjorth (CTO), the company co-invests alongside the buyer by providing up to 8% of the purchase price, letting the buyer enter with as little as 2% equity; the remaining ~90% is financed through BN Bank, which serves as Finit's exclusive mortgage partner. The buyer is the sole registered owner and manages the property independently, while Finit holds a passive equity stake and earns 15-40% of the equity created by price appreciation and mortgage amortization only when the buyer buys out Finit's share or sells the property (typically within 1-3 years).

The underlying technology is a lightweight, digital-first platform: a 5-minute self-serve application, a property value calculator, and a customer portal that tracks property value development, enables partial buyouts, and supports communication with Finit. Property valuations are powered by Eiendomsverdi AS, the industry-standard neutral third-party valuation engine owned by Norway's largest banks. The distribution model is direct-to-consumer nationwide, supplemented by a tightly curated partner ecosystem — EIE Eiendomsmegling for real estate brokerage and Wikborg Rein for legal — and the company operates with a deliberately small team of 9 employees.

Finit's commercial model is a take-rate on realized equity gains rather than a recurring fee, with no ongoing rent, interest, or service charges to the customer. As of early 2026, the company reports 500+ customers helped and over 1 billion NOK in property purchase volume facilitated, and now operates nationwide following a September 2024 expansion from 33 municipalities. The model is positioned as a temporary bridge into ownership supported by compliance with the Norwegian Consumer Authority's guidelines and the utlånsforskriften.

Name

Finit

Legal name

Finit Technologies AS

Website

https://finit.no

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Finit is a Norwegian proptech offering co-ownership (deleie) financing for first-time homebuyers who lack the 10% equity requirement. Customers contribute as little as 2% while Finit provides up to 8% and earns 15-40% of equity gains on exit.

Ownership category

akta.pro rank

Product category

Real Estate Co-Investment Services

NAICS

Other Investment Pools and Funds (5259)

SIC

Finance Services (6199)

akta.pro primary industry

Net Worth & Personal Balance Sheet Tracking (FSAGADAF)

Keywords

• Co-ownership housing
• Real estate financing
• Equity contribution
• First-time homebuyers
• Resale property investment

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Equity Share / Performance Participation: Finit receives a share (15-40%) of the equity created in the property through price appreciation and mortgage amortization. No ongoing fees, no rent, no interest payments to Finit. Compensation is received only when the customer buys out Finit's share or sells the property. The exact share depends on how much equity the customer contributed initially (2-7% of purchase price). Customers contributing 2% equity retain 60-85% of gains, while Finit takes 15-40%. The share is calculated on total equity created, not just Finit's proportional contribution.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Finit Deleie is a co-investment service in which Finit contributes up to 8% of the purchase price so a first-time buyer can meet the 10% equity requirement with as little as 2% personal equity, while partner bank BN Bank finances the remaining 90% via mortgage. The buyer becomes the sole registered owner, retains 60-85% of equity gains from price appreciation and amortization, and can buy out Finit partially or fully after 1 year; Finit receives 15-40% of total equity gains only upon buyout or sale, with no ongoing fees, rent, or interest charged.

Product overview

Finit offers a single product called Finit Deleie — a co-investment (shared ownership) service in Norway's resale housing market. Finit co-invests alongside buyers who lack full equity, contributing up to 8% of the purchase price so that together the buyer and Finit meet the 10% equity requirement, with the remainder financed by a mortgage. The buyer is the sole registered owner and manages the property independently while Finit holds a passive equity stake. As the buyer pays down the mortgage and benefits from property price growth, they retain the majority of equity gains (60–85%) while Finit receives its proportional share only upon buyout or sale. The service is designed as a temporary bridge, not a long-term co-ownership — most customers buy out Finit within 1–3 years. Key enablers include BN Bank (mortgage financing), nationwide property selection from the resale market, personal advisory support, and a digital customer portal for tracking equity growth and initiating buyouts.

Differentiator

Problem solved

Functional benefit

Products and services

• Finit Deleie A co-investment (deleie) service enabling first-time buyers to purchase resale property with as little as 2% equity. Finit contributes up to 8% of the purchase price to reach the 10% equity threshold; the buyer takes a mortgage through exclusive partner BN Bank for the remaining 90% and becomes the sole registered owner. The buyer retains 60-85% of equity gains created through price appreciation and mortgage amortization, while Finit receives 15-40% of those gains only when the buyer buys out Finit (partially or fully after 1 year) or sells the property. Customers choose any property from the open resale market (e.g., Finn.no), receive a personal advisor, and can typically buy out Finit within 1-3 years with no ongoing fees, rent, or interest charged.

Quantifiable outcome

• Customers retain 60-85% of equity gains even when contributing less than half of equity (2-7% of 10%)
• +6 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• EIE EiendomsmeglingcoreChannel Partner/ Reseller/ DistributorEIE Eiendomsmegling is one of Norway's largest independent real estate broker chains. Listed as a partner/supporter of Finit, helping customers through the property purchase process.
• Wikborg ReinsupportingImplementation/ SI/ Consulting PartnerWikborg Rein is one of Norway's leading law firms. Listed as a partner/supporter of Finit, providing legal expertise for the co-ownership model and customer transactions.
• Eiendomsverdi ASsupportingTechnology or IntegrationEiendomsverdi AS provides ongoing property valuation data used by Finit to estimate property values. It is the industry standard for residential property price estimation in Norway and is owned by DNB, Nordea, Sparebank1-alliansen, and Eika Gruppen. A neutral third party.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• OBOS: Norway's largest housing cooperative with broad real estate development, brokerage, and banking services. A broad incumbent in Norwegian residential real estate with potential to expand into co-ownership models, providing competitive context to Finit's niche positioning.
• DNB Eiendom: Norway's largest real estate brokerage chain, part of DNB group. As a broad incumbent with deep mortgage and real estate capabilities, it represents the type of established player Finit could face if shared equity models scale in Norway.
• Krogsveen: One of Norway's largest real estate broker chains. As a broad real estate incumbent with deep Norwegian market presence and consumer relationships, it serves as a comparable large player in the Norwegian residential real estate ecosystem where Finit operates.

Direct peers

• Belong: US home equity sharing company that partners with homeowners in exchange for a share of the home's appreciation. Operates a similar shared-equity model with no monthly payments, directly comparable to Finit's structure.
• Point: US home equity investment company offering homeowners cash for a share of their home's future appreciation. Closely mirrors Finit's model of holding an equity stake and capturing a percentage of value gains.
• Unlock: US-based shared equity home financing provider. Offers homeowners a down payment in exchange for equity share, with no monthly payments — closely parallel to Finit's Norwegian co-ownership model.
• Splitero: US-based home equity sharing company offering homeowners cash for a share of their home's future value. Comparable to Finit in providing equity capital to consumers in exchange for a share of property appreciation.
• Hometap: US-based home equity sharing company that provides homeowners with cash in exchange for a share of their home's future value. Directly comparable to Finit's co-investment model where Finit holds equity and receives a share of appreciation on exit.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@FinitNO
• Facebookfacebook.com/FinitNO
• LinkedInlinkedin.com/company/finitno
• Instagraminstagram.com/finit.no

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Finit