InRento continues its European expansion with the launch of operations in Finland – a market defined by institutional-grade stability, transparent legal frameworks, and a growing short-term rental sector that creates compelling conditions for income-focused investors.
With this entry, InRento now operates across seven European markets, further strengthening its position as the leading asset-backed investment platform in the EU.
Why Finland – and Why Now?
Finland is one of the most structurally stable investment markets in Europe.
It is a 5.6 million-person EU economy with consistently high rankings for legal transparency, investor protection, and economic governance. The real estate sector operates within a well-established regulatory environment – one that supports clear ownership rights, enforceable lease agreements, and reliable dispute resolution. For investors, this reduces execution risk at every stage of a project, from acquisition to exit.
Finland’s investment market is also recovering strongly. After bottoming out in 2024, total real estate transaction volume grew by over 71% in 2025 to EUR 4.4 billion, according to CBRE. Yields have stabilised, financing conditions have improved, and investor sentiment – particularly among foreign institutions – has turned positive. Foreign investors now hold more than one third of the total Finnish real estate market value, up from just over 20% in 2010, according to the Bank of Finland. Net purchases by foreign investors have remained positive every year since international capital first entered the market.
This combination – institutional-grade legal framework, recovering transaction market, and stable income from existing assets – is precisely what InRento looks for when entering a new market.
The Tourism Opportunity: Lapland and Beyond
Finland’s short-term rental segment presents a highly attractive investment thesis – one driven not by urban residential demand, but by tourism.
Lapland, Finland’s northernmost region, has established itself as one of Europe’s most consistent tourist destinations. Winter occupancy rates in the region reach 75–80%, driven by the northern lights season, ski resorts, and Arctic tourism. Summer periods sustain average occupancy of 40–60%, supported by midnight sun tourism and outdoor activities. This two-season demand pattern significantly reduces the income variability that typically affects single-season tourism markets.
International visitor numbers underline this momentum. Foreign overnight stays across Finland reached a record 7.2 million in 2025, with short-term rentals remaining the fastest-growing accommodation segment in the region. This is not a short-term trend – it reflects the structural development of Finland as a year-round tourist destination.
For buy-to-let investors, the Lapland market offers an important combination: a mature hospitality ecosystem, clear investment-grade accommodation assets, and a guest base that commands premium nightly rates.
The Investment Case
Finland’s stability is not just reputational – it is structural.
The Finnish legal system provides first-rank mortgage security that is straightforward to enforce. Lease agreements with commercial tenants carry strong protections. The regulatory framework applicable to real estate crowdfunding investments is aligned with EU standards, consistent with InRento’s existing operational markets.
Gross rental yields for well-located assets in regional cities currently reach 6–7%, with short-term rental projects in tourist-intensive areas capable of exceeding this range. Projects entering at current value – following two years of price correction – carry meaningful advantage both in income and in capital value as the market recovers.
For InRento investors, Finland represents an opportunity to add a geographically and structurally distinct market to their portfolio – one with lower correlation to the Central and Eastern European dynamics that characterise existing deal flow in Poland, Romania, and the Baltic States.
