EstateGuru is one of the biggest real estate investing platforms in Europe, with 900 million invested, offering investments in real estate from 8 countries and an average return 9.96%.

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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.

Basic information

156860 investors

7629 projects funded

926695066.0 EUR funded amount

License/regulation: EstateGuru holds an EU crowdfunding service provider licence issued by Estonian and EU authorities

For Investors

Limitations: Open to Europeans.

Minium investment: 50 EUR

trending_down Default Rate: 16.77 %

Average Returns: 10.33% (Historical return)

Functionality

Autoinvest: Yes

Deal rating: Yes

Secondary market: Yes

Reward

Bonus equal to 0.5% of the investments you make

Receive a cashback bonus equal to 0.5% of the investments you make in the first 90 days following your registration. On top of that, you will also receive a €15 investment credit if you invest €500 or more in the same period. Don't miss out on this golden opportunity! Just click on get bonus and register!

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Useful Information

What Investments Does the EstateGuru Offer?

EstateGuru provides several types of loans, each serving distinct investment needs and backed by real estate collateral:

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)
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)
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.

What is the Risk When Investing on the EstateGuru?

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.

How Does the EstateGuru Work?

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.

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Crowdfunding Platform - EstateGuru.co review

Estonia

Real Estate Crowdfunding

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Basic information