# Nielhouse

> Nielhouse is a buyer-first home platform. A short, friendly conversation learns who a buyer is, how they live and what matters to them, then Nielhouse matches them with homes for sale, explains why each home fits, and helps them compare, take notes and decide. Homes come from the websites of Swedish estate agents, checked daily; every listing links to the agent's own page. The buyers guide covers buying and owning a home in Sweden, Denmark, Norway, Finland, the United Kingdom and the United States, and every legal or official statement cites its source.

## Product

- [Home](https://nielhouse.com/): What Nielhouse does and how it works.
- [Start a home search](https://nielhouse.com/discover): An anonymous conversation that learns what you need and shows matching homes as you talk.
- [For partners](https://nielhouse.com/for-partners): For estate agents and partners.
- [Pricing](https://nielhouse.com/pricing): Plans and pricing.
- [Help](https://nielhouse.com/help): Frequently asked questions.
- [Changelog](https://nielhouse.com/changelog): Recent product updates.

## Buyers guide

- [Buyers guide](https://nielhouse.com/housing-wiki): Country-by-country guides to buying and owning a home.
- [Glossary](https://nielhouse.com/housing-wiki/glossary): Local home-buying terms explained.
- [Full guide text](https://nielhouse.com/llms-full.txt): Every guide article as plain text, with sources.

### Sweden

- [Köpprocessen i Sverige, steg för steg](https://nielhouse.com/housing-wiki/kopprocessen-sverige): Hela resan från att räkna på din ekonomi till att hämta nycklarna: vem gör vad, när blir köpet bindande och vad du bör ha klart före varje steg.
- [Lånelöfte, bolånetak och amortering](https://nielhouse.com/housing-wiki/bolan-och-kopkraft): Hur mycket du får låna, hur mycket eget kapital som krävs och vilka amorteringsregler som gäller efter lagändringen den 1 april 2026.
- [Månadskostnad, räntekänslighet och buffert](https://nielhouse.com/housing-wiki/manadskostnad-och-buffert): Vad ett boende faktiskt kostar varje månad, hur mycket kostnaden svänger med räntan och hur stor reserv som är rimlig för just din bostad.
- [Bostadsformer i Sverige: vad du faktiskt äger](https://nielhouse.com/housing-wiki/bostadsformer-i-sverige): Villa, radhus, bostadsrätt, äganderätt, ägarlägenhet, fritidshus och nyproduktion – vad du äger, vad du ansvarar för och vad det kostar.
- [Undersökningsplikt och besiktning av hus](https://nielhouse.com/housing-wiki/undersokningsplikt-och-besiktning): Vad lagen kräver att du undersöker, vad en besiktning täcker och inte täcker, och hur du hanterar fel som upptäcks före respektive efter köpet.
- [Energideklaration, radon och fukt](https://nielhouse.com/housing-wiki/energideklaration-radon-fukt): Tre undersökningar som ofta avgör om ett hus blir dyrt eller ohälsosamt – vad lagen kräver, hur mätningarna går till och hur du läser resultaten.
- [Budgivning, kontrakt och tillträde](https://nielhouse.com/housing-wiki/budgivning-och-kontrakt): Hur svensk budgivning faktiskt fungerar, vilka villkor du kan skriva in, när köpet blir bindande och vad som händer dagen du får nycklarna.
- [Granska bostadsrättsföreningens ekonomi](https://nielhouse.com/housing-wiki/foreningens-ekonomi): Hur du läser årsredovisningen, räknar skuld per kvadratmeter, bedömer ränteexponering och underhållsplan – och vilka varningstecken som faktiskt betyder något.
- [Driftkostnader, skatt och renovering av hus](https://nielhouse.com/housing-wiki/driftkostnader-och-renovering): Vad ett hus kostar att äga över ett år, hur kommunal fastighetsavgift skiljer sig från fastighetsskatt, och vad som krävs innan du bygger om.
- [Läge, pendling och vardagsliv](https://nielhouse.com/housing-wiki/lage-och-vardagsliv): Hur du undersöker ett område med faktakällor: restider, skolor som uppgifter, buller, sol, översvämning och skred, samt kommunens planer för marken runt omkring.
- [Nyproduktion och köp från utlandet](https://nielhouse.com/housing-wiki/nyproduktion-och-utlandska-kopare): Förhandsavtal och upplåtelseavtal, vad som kan ändras innan inflyttning, och vad som praktiskt krävs av dig som bor utanför Sverige.
- [Efter köpet: försäkring, fel och underhåll](https://nielhouse.com/housing-wiki/efter-kopet): De första veckorna, vad du gör om ett fel dyker upp, hur du håller ordning på husets dokument och vad som gör en framtida försäljning enklare.
- [Vad kostar det att köpa? Stämpelskatt, pantbrev och avgifter](https://nielhouse.com/housing-wiki/kostnader-vid-kop): Allt som tillkommer utöver priset: lagfart, pantbrev, föreningens avgifter, lånekostnader och flytt.
- [Skatter för bostadsägare: ränteavdrag, rot och vinstskatt](https://nielhouse.com/housing-wiki/skatter-for-bostadsagare): Vad du får tillbaka på räntan, hur rotavdraget fungerar, vad du betalar när du säljer och när du kan få uppskov.
- [Att äga bostad tillsammans: sambor, gifta och vänner](https://nielhouse.com/housing-wiki/aga-tillsammans): Vad sambolagen säger om bostaden, hur arv fungerar, när samboavtal och testamente behövs och vad som gäller för gifta.
- [Att sälja din bostad i Sverige](https://nielhouse.com/housing-wiki/salja-bostaden): Mäklare och arvode, vad du ansvarar för efter försäljningen, deklarationen och uppskov.
- [Försäkra bostaden: villa, bostadsrätt och fritidshus](https://nielhouse.com/housing-wiki/hemforsakring): Vilken försäkring du behöver från tillträdet, vad föreningen försäkrar och vad som brukar saknas.
- [Grannar, tomtgränser och att hyra ut](https://nielhouse.com/housing-wiki/grannar-och-uthyrning): Regler om träd och gränser, andrahandsuthyrning av bostadsrätt och hur uthyrning av villa beskattas.

### Denmark

- [The Danish buying process, step by step](https://nielhouse.com/housing-wiki/dk-kobsprocessen): From loan approval to handover day: who the agent works for, why your own buyer's adviser is the norm, the six-day withdrawal right and how the deed is registered digitally.
- [Loans, down payment and buying costs in Denmark](https://nielhouse.com/housing-wiki/dk-finansiering-och-kostnader): How financing splits between down payment, mortgage-credit loan and bank loan, what banks assess, and what registration costs.
- [Housing types in Denmark: freehold, owner-occupied flat and cooperative](https://nielhouse.com/housing-wiki/dk-boendeformer): What you actually own, who decides and how the price is set in each Danish housing type.
- [Due diligence in Denmark](https://nielhouse.com/housing-wiki/dk-undersok-bostaden): The home inspection scheme, what the reports do and do not cover, change-of-ownership insurance and registered encumbrances.
- [Offers, purchase agreement and conditions in Denmark](https://nielhouse.com/housing-wiki/dk-kopeavtal-och-forbehall): How offers work, what belongs in the purchase agreement and which conditions protect you.
- [Reviewing the owners' or cooperative association](https://nielhouse.com/housing-wiki/dk-forening): What to read in the articles, budget and annual accounts, and particular risks in cooperatives.
- [Property taxes and running costs in Denmark](https://nielhouse.com/housing-wiki/dk-drift-och-bostadsskatt): Property value tax, land tax, interest deduction and the recurring costs of owning a home.
- [After purchase: insurance, defects, owning together and selling in Denmark](https://nielhouse.com/housing-wiki/dk-efter-kopet): What to do in the first weeks, how to raise defects, how cohabiting partners protect themselves and when a gain on sale is tax-free.

### Norway

- [The Norwegian buying process, step by step](https://nielhouse.com/housing-wiki/no-kopprocessen): From financing certificate to handover: viewings, the bidding round, when a bid binds, contract meeting and settlement through the agent.
- [Equity, loans and buying costs in Norway](https://nielhouse.com/housing-wiki/no-finansiering-och-kostnader): The lending regulation in practice, financing certificates and the document duty paid when buying a freehold home.
- [Housing types in Norway: freehold, owner section and cooperative](https://nielhouse.com/housing-wiki/no-boendeformer): What you own in each form and what it means for loans, charges and the freedom to let.
- [Due diligence in Norway](https://nielhouse.com/housing-wiki/no-undersok-bostaden): The condition report, the seller's liability after 2022, what you are expected to have read and the threshold for small defects.
- [Contract, settlement and handover in Norway](https://nielhouse.com/housing-wiki/no-kontrakt-och-oppgjor): What the contract governs, how the money is secured and what to check at handover.
- [Reviewing the cooperative or owners' association](https://nielhouse.com/housing-wiki/no-borettslag-och-sameie): Shared debt, common costs, individual repayment schemes, board approval and pre-emption rights.
- [Taxes and running costs for homeowners in Norway](https://nielhouse.com/housing-wiki/no-drift-och-skatter): Municipal charges, property tax, wealth-tax value, interest deduction and maintenance.
- [After purchase: insurance, owning together and selling in Norway](https://nielhouse.com/housing-wiki/no-efter-kopet): Tax-free sale, cohabitation agreements and what to do when a defect appears.

### Finland

- [The Finnish buying process, step by step](https://nielhouse.com/housing-wiki/fi-kopprocessen): Two different purchases: shares in a housing company, or real estate with a deed and title registration. How both work.
- [Loans, loan cap and buying costs in Finland](https://nielhouse.com/housing-wiki/fi-finansiering-och-kostnader): The loan cap, debt-free price and loan share, transfer tax and why interest is no longer deductible.
- [Housing types in Finland: housing shares or real estate](https://nielhouse.com/housing-wiki/fi-boendeformer): What you own, who maintains what and what a leased plot means.
- [Due diligence in Finland](https://nielhouse.com/housing-wiki/fi-undersok-bostaden): Condition inspection, moisture risks in certain build years, the housing company's documents and how hidden defects are handled.
- [Offers, deposits and deeds in Finland](https://nielhouse.com/housing-wiki/fi-anbud-och-kopebrev): How an offer binds, what the deposit means and how the purchase is completed.
- [Reviewing the housing company](https://nielhouse.com/housing-wiki/fi-bostadsaktiebolaget): Charges, loan share, upcoming renovations and the company's finances.
- [Running costs and taxes for homeowners in Finland](https://nielhouse.com/housing-wiki/fi-drift-och-skatter): Property tax, company charges, energy and maintenance.
- [After purchase: registration, owning together and selling in Finland](https://nielhouse.com/housing-wiki/fi-efter-kopet): Register ownership, protect cohabiting partners and understand tax when you sell.

### United Kingdom

- [The UK buying process, step by step](https://nielhouse.com/housing-wiki/uk-kopprocessen): From mortgage in principle to completion in England, and how Scotland differs.
- [Mortgages, deposit and stamp duty in the UK](https://nielhouse.com/housing-wiki/uk-finansiering-och-stampelskatt): How large a deposit is needed, how lenders assess affordability and what stamp duty costs from April 2025.
- [Freehold, leasehold and other ownership types](https://nielhouse.com/housing-wiki/uk-agandeformer): What you actually own, why lease length matters and what shared ownership means.
- [Due diligence in the UK](https://nielhouse.com/housing-wiki/uk-undersok-bostaden): Survey levels, searches, the seller's forms, EPC and flood risk.
- [Offers, exchange and completion](https://nielhouse.com/housing-wiki/uk-exchange-och-completion): Why an accepted offer does not bind, what happens at exchange and completion, and how to protect yourself.
- [Leasehold: lease length, ground rent and service charges](https://nielhouse.com/housing-wiki/uk-leasehold-och-avgifter): What to check in the lease and management before buying a flat.
- [Council tax and running costs in the UK](https://nielhouse.com/housing-wiki/uk-drift-och-council-tax): What council tax is, how bands work and what costs come with a home.
- [After purchase: owning together, selling and tax](https://nielhouse.com/housing-wiki/uk-efter-kopet): Joint tenants or tenants in common, Private Residence Relief and the 60-day rule.

### United States

- [The US home-buying process, step by step](https://nielhouse.com/housing-wiki/us-kopprocessen): From pre-approval to closing: agent agreements, offers with contingencies, escrow, inspection, appraisal and what differs between states.
- [Mortgages, down payment and closing costs in the US](https://nielhouse.com/housing-wiki/us-bolan-och-kostnader): Loan types, PMI, the Loan Estimate and what makes up closing costs.
- [Housing and ownership types in the US](https://nielhouse.com/housing-wiki/us-boendeformer): Single-family, condo, co-op and townhouse, and how two people can hold title together.
- [Due diligence in the US](https://nielhouse.com/housing-wiki/us-undersok-bostaden): Home inspection, lead and radon, flood zones, seller disclosures and title.
- [Offers, contingencies, escrow and closing in the US](https://nielhouse.com/housing-wiki/us-bud-och-closing): What a purchase agreement contains, which contingencies protect you and how closing works.
- [Reviewing an HOA, condo association or co-op](https://nielhouse.com/housing-wiki/us-hoa-condo-coop): Governing documents, dues, reserves, special assessments and the board's powers.
- [Property tax, insurance and deductions in the US](https://nielhouse.com/housing-wiki/us-drift-och-skatter): What goes into a monthly payment (PITI), how property tax is set and which federal deductions exist.
- [After purchase and selling in the US](https://nielhouse.com/housing-wiki/us-efter-kopet): Homestead, the $250,000 or $500,000 gain exclusion and what the seller pays.

## Optional

- [Contact](https://nielhouse.com/contact): Get in touch.
- [Privacy](https://nielhouse.com/privacy): Privacy policy.
- [Terms](https://nielhouse.com/terms): Terms of service.