Hypo is the only credit institution in Finland that specialises in housing.

As a housing specialist and a leader in the debate about on the Finnish Mortgage Market, Hypo releases a Housing Market Update four times a year. The update contains the latest developments in the Mortgage Market and also examines differences in collateral risk between municipalities in Finland through Hypo Regional Rating.

 Housing Market Update  - video in English

• Spring 2024
• Autumn 2023

What is a Finnish Housing Company? 

Hypo - Overview

Hypo is a mutual company governed by its member customers. We provide our customers with the full range of home financing services. We grant mortgage and consumer loans for all stages of home owning including purchasing and renovating. We continuously develop new ways and models of housing and home financing. We offer safe deposit accounts for customers interested in saving and investing and also bonds for institutional investors.

Established 160 years ago, the Mortgage Society of Finland operates in the century-old Hypo House in the heart of Helsinki where our customers are served by 50 home financing specialists. In addition, our customers have access to secure, user-friendly online and telephone banking services.

Hypo’s operations are founded on its strong financial standing. Profitable growth over the long term strengthens our capital adequacy and enables us to continuously develop our services. Our customer promise –secure way for better living – guides all of our operations. As many as 29,000 customers, mainly in growth centers, have already taken us up on our promise.

The Mortgage Society of Finland constitutes the core of Hypo Group which also includes Suomen AsuntoHypoPankki Oy, a deposit bank founded in 2002. Hypo is a member of the Finance Finland and a founding member of Nordiska Realkredit Samråd, the federation of Nordic Mortgage Banks. In addition, Hypo is a member of the International Union for Housing Finance. All Hypo’s operations are monitored by the Finnish Financial Supervisory Authority.

Contact information of Finnish Financial Supervisory Authority:
Snellmaninkatu 6, P.O. Box 103, 00101 Helsinki
Tel. +358 9 183 51
Email address: kirjaamo(at)finanssivalvonta.fi