EstateGuru.co - Risk and return review
EstateGuru.co - Returns and loss rates
Investment maturity
EstateGuru.co – Platform statistics 2026
156860
investors
EstateGuru.co – Pros & Cons
EstateGuru.co - Reward
About EstateGuru.co
EstateGuru is a European real-estate crowdfunding and peer-to-peer lending platform headquartered in Estonia that allows investors to fund secured property-backed loans across multiple countries with low minimum entry thresholds (often from around €50). It connects investors with short- to medium-term loans (such as development, bridge, and business financing) that are typically secured by first-rank mortgages, aiming to offer potential yields historically in the high-single-digit to low-double-digit annual range.
EstateGuru holds an EU crowdfunding service provider licence issued by Estonian and EU authorities, operating under the European Crowdfunding Service Providers Regulation (ECSPR) to provide a regulated framework and cross-border access. The platform offers tools such as Auto-Invest and a secondary market to assist with diversification and portfolio management.
All investments involve risks, including borrower default and property market fluctuations, and capital is illiquid until loan maturity; investors may lose part or all of their funds. EstateGuru’s decade-long footprint and mortgage security approach aim to balance return potential with downside protection, making it suitable for investors seeking real-estate-linked income alongside diversification.
Regulation
License / Regulation: EstateGuru holds an EU crowdfunding service provider licence issued by Estonian and EU authorities
Functionality
For Investors
For Fund Seekers
Useful Information
EstateGuru provides several types of loans, each serving distinct investment needs and backed by real estate collateral:
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Development Loans:
- Description: These loans are used to finance the construction and development of real estate projects.
- Total Funded: €336,598,649 (41.43% of total loans)
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Bridge Loans:
- Description: Short-term loans intended to bridge the gap until a longer-term financing solution is secured.
- Total Funded: €327,439,695 (40.31% of total loans)
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Business Loans:
- Description: Loans provided to businesses for various purposes, often involving real estate as collateral.
- Total Funded: €148,319,590 (18.26% of total loans)
Country Distribution:
- Estonia: €345,193,426 (42.49%)
- Lithuania: €151,117,874 (18.60%)
- Latvia: €109,121,801 (13.43%)
- Germany: €103,807,532 (12.78%)
- Finland: €91,753,101 (11.29%)
- Portugal: €5,450,000 (0.67%)
- Spain: €4,164,200 (0.51%)
- Sweden: €1,750,000 (0.22%)
For more details, visit the EstateGuru statistics page.
Investing in EstateGuru carries significant risks, including a high default rate of 16.91% and potential project delays. While the platform implements low loan-to-value (LTV) ratios, thorough due diligence, and real estate collateral to mitigate these risks, the high default rate suggests challenges in loan performance. EstateGuru has a write-off rate of 0.01%, indicating some success in recovering funds, but investors should be aware of the substantial default risk when investing.
EstateGuru offers a straightforward investment process. Investors can choose from a range of property-backed loans, each secured by collateral. Loans are classified based on their risk level, and investors can use the auto-invest tool to automate their investments according to predefined criteria. The secondary market allows investors to trade their loans, providing an option for liquidity.
