Estateguru Reviews 1,514

The enrollment process was painfully slow and the customer support both uninformed and unhelpful. When I finally figured out the problem that was stopping me and got past it, the actual investing process was pretty good.
However, many of the loans didn't work out and wound up in recovery, and while I don't blame Estateguru for a recession, they are the ones that are screening the offers.
I invested about 60,000 euros in various loans, none more than 2,000 euros when Estateguru informed me that they didn't want anymore US customers and my account was suspended. However, they didn't pay off any existing loans, I was going to have to wait for them.
At first I was able to transfer any cash that showed up when a loan was repaid via the website. But then they changed the website to disable that feature for suspended accounts. Now I have to go through customer service via email to withdraw my money. But the bigger problem is the money not showing up because the loans are mostly defaulted.
It's been over two years now and I'm still trying to escape. Of the 60,000 euros, my account still has 28,000 euros, with 24,000 euros in recovery. By June I hope to get back the last 4,000 from performing loans (unless they default also, lol). No idea how long the others will take.
To be fair, they don't charge me any fees, but then I don't see how they can, since they have suspended my account and won't allow me to make any investments.
What is especially annoying is they keep sending me emails every week or so, that I have to update my KYC information. Why would I do that when all I want is out? In fact, I probably wouldn't have bothered with this review if they would just stop with those annoying emails.

Total scam. It takes forever to get your money back, and they charge a fee for idle accounts — which they introduced after I invested. When I complained, they just responded with legal jargon. They basically want you to keep pumping money in. The only reason to invest here is if you plan on investing thousands, and if you are investing thousands, you should invest elsewhere.

I have been with this company for 3 years, and every time I receive money from my investment, they deduct money as an idle account fee. STAY FAR AWAY FROM THIS COMPANY WITH YOUR MONEY. I hope this company goes bankrupt so it can stop scamming small investors.

Most investments pay out in small increments, meaning the payout itself might only be 15–20 USD. Then I am forced either to pay the processing fee for withdrawal or to leave the funds in my account until there is enough to withdraw. Assuming the withdrawal fee is 3 USD, and I only receive 20 EUR per month from my investment until it is fully paid, my actual return is reduced by 15%.

The alternative is that they charge your account an inactivity fee, which basically evaporates any investments.

Either way, investors lose. STAY AWAY FROM ESTATEGURU! LET THEM GO BANKRUPT!

Do not put your money here, they stupid 50 euro fee for unused account stolen twice my money once the recovered a load that was in default for ages and they did not send me the notification, scammers.

They send loan recovered after taking the 50 euro 😂

I invested on EstateGuru several years ago. Over time, multiple loans defaulted and repayments stopped — so naturally, I paused adding funds while waiting for recoveries. My account was never abandoned; I still held active defaulted loan positions on the platform.
In May 2024, a representative named Daniil contacted me warning about a dormancy fee if I didn't invest or top up. After that single message, I heard nothing for nearly two years.
Then on 5 March 2026, a partial recovery on Project #3235 finally came through — EUR 41.76 credited to my account. Nine days later, on 14 March 2026, the exact same amount was deducted as a "dormancy fee" (EUR 50/month for 24 months of inactivity), leaving my balance at exactly EUR 0.00.
Think about what that means: years of waiting for a defaulted loan to partially recover, only for the platform to pocket the proceeds the moment they arrived — with zero prior warning and zero time to react.
Calling an account "dormant" when it holds active defaulted loans in recovery is contradictory at best, predatory at worst. If this fee continues monthly, every future recovery on my remaining defaulted loans will be absorbed the same way, leaving me with nothing.
A formal complaint has been submitted. I would strongly caution any investor considering this platform to read the fine print on dormancy fees — especially if any of your loans are in default.

My experience with Estateguru: 4100 eur invested, 2700eur recovered. Recently, part of an investment was recovered and the rest was written off, a loss for me. From the amount received (about 80 euros), they retained 50 euros as a fee for inactivity. Even if they claim that I can withdraw the money before applying this fee, I didn't receive any notice of recovering these 80 euros. But I constantly receive emails about new opportunities to invest.... I sincerely do not recommend this platform

Avoid this platform by all means – funds stuck for years
I am extremely disappointed with my experience. What was initially presented as a relatively short-term investment (around 12 months) has turned into a situation where my funds have been tied up for over 5 years due to defaulted loans.
There has been a clear lack of transparency and communication regarding the status of these loans and the recovery process. Despite multiple requests, I have not received clear timelines or meaningful updates on when I can expect to recover my money.
What is most concerning is the absence of any clear compensation framework for such prolonged delays. As an investor, I accepted a certain level of risk, but not the complete lack of accountability and visibility I am currently facing.
Instead of protecting my funds from inflation, this investment has resulted in ongoing financial loss and uncertainty.
Based on my experience, I cannot recommend this platform to others. Investors should be aware of the risks related to long-term defaults and the lack of clear recovery timelines.

I invested in 2021 and in 2026 (five years later) I received only 9% of my initial investment. Fantastic! A property valued at €1.5M in 2021 was sold for a mere €300k. It is quite strange: they don't provide court documents authorizing the sale, nor the sale deeds. They don't even inform investors that the property is going to public auction; they only provide information after the sale has already taken place. It is all very 'opaque'.
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I requested information regarding the public auction and the court case number. They refused to provide it, citing 'confidentiality'. I have to ask: how can there be confidentiality regarding a PUBLIC auction and a COURT case? This seems highly suspicious and lacks any transparency, bordering on malpractice.
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Responding to the feedback below.
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The primary issue with Estateguru regarding Project #8529 (Velbert) is not merely the financial loss, but the profoundly unprofessional and opaque manner in which the process was handled.
1. Misleading "Success" Labels: The platform officially marked this loan as "Successfully recovered" on February 27, 2026
. It is offensive to investors.
2. Failure to Preserve Asset Value: where was the platform’s "strong risk and debt management team"?
3. Ineffective Personal Guarantee: The loan was secured by a personal suretyship (25%). Now, the platform claims the likelihood of recovery from the guarantor is "low". What due diligence was actually performed on this guarantor's solvency at the time of the loan request in 2021.

I will let the numbers speak instead of emotions.
Invested: €13,000
Withdrawn after ~3 years: €11,300
Still in default for 3 years: €1,700
After three years my result is –13%, assuming the default is never recovered.
The losses were related to the problematic German loan portfolio that many investors experienced. Hopefully the platform has learned from this situation and improved risk controls so it does not happen again.

I consider my investment with EstateGuru to be the most regrettable financial decision I have ever made.The platform allocated investors' funds to real estate projects with what appears to have been grossly inadequate due diligence. When problems inevitably arose, obtaining any meaningful response or support from their customer service team proved virtually impossible.In one of my investments,

I suffered a loss of approximately 70% due to serious mismanagement and poor project execution on their part.I strongly advise potential investors to avoid EstateGuru. Despite numerous attempts by affected investors to seek resolution, no serious effort at accountability or communication has been forthcoming.

The human agent was very professional and solved my issue as fast as possible. Thanks.

Scam, you will loose your money for sure. Did a small investment, project went bust and have been waiting 4 years. Now got a 7% recovery. Am i supposed to be happy?
absolute scam

I joined EG in 2021 and I have been patiently waiting for EstateGuru to effectively recover the horrible German loans, which were awarded by EG poor risk management by the team in that country. Apparently after several years the recoveries are coming in.. the problem.. up to 90% of capital lost. Loans that were supposedly secured by first rank collateral of 2x, 3x, 5x the value of the loan, apart from extra layers of safety like personal suretyship. What good is to have a collateral several times above the loan when 10% of the capital is recovered ???? In fact this shows the collateral valuation was a joke. Loan information provided by EG is not to be trusted.

If this was not bad enough, EG also accounting in customers panels is also a joke. A 2000 Eur loan with a 1000 Eur written-off capital is shown as -10% loss... the Net Annual Return doesn't account for any written-off capital... just the actual received interest...

I have 13.000 eur of interest received from hundreds of performing loans and 24.000 eur of defaulted loans, mainly German, to be recovered. Only a couple of loans already resulted in 3.000 eur of written off capital. At this space and only recovering 10% of German written-off capital I am exposed to lose a huge amount of capital at the end, even with hundred of performing loans over 4 years. My diversification was, by EGs own metrics, always kept over 75%, i.e. very good.

EG will likely justify itself here as with by others, claiming that the market dropped, buildings needed heavy reconstruction works at the time of the sale to recover collateral, bla, bla, bla, but this is where the low LTV, and other layers of safety should come into account. Investors apply captial believing the accuracy of EGs risk assessment. When several recovered loans with low LTV like 20% or 30% start coming in at 90% of loss of capital, it clearly shows real initial risk was very poorly evaluated, admittedly to lure investors to the loan and cover the borrowers target in the shortest amount of time possible. There's no way around it.

The business model simply doesn't work. What a joke. If you want to keep your initial capital, Stay Away!!

This company is a joke! Almost €1500 has been in recovery for over three years. There is probably only a minimal chance of getting the money back. Recently, they recovered one of the loans, barely 10% of the initial amount, which means a 90% loss !!! A building with a collateral value of €2.7 million was sold for €300k.
Now they charge €50 per month for an inactive account, so you need to withdraw the money quickly when they finally recover some funds.
Overall, this has been an extremely disappointing and costly experience.I’m wondering why there is no lawsuit against this company.

Absolutely horrible experience, almost all of the loans, although checked thoroughly before, defaulted.
I'm stuck now for years, with barely any information, no money and the only way I know that they actually got some of my money back is when I get an email saying that I will be charged 50 euros for an inactive account!
Stay away!

Such a scam. Written off 600€ - money that is lost and they won't recover. So if people borrow from here, they never have to pay it back. Absolutely disgusting company

Like many others, I invested in projects on EstateGuru, and today every single one of them is in default.
I’ll take my share of responsibility, I knew investing in crowdlending carried risks, and I got hit. That part I can live with.
But what’s not acceptable is what happened next: despite repeated promises about recovery efforts, as of February 2026 very little progress has been made. And the few funds that have been recovered come with strings attached:
• You’re forced to reinvest recovered funds if you want to avoid a €50 inactivity penalty, which I am not willing to do.
• Withdrawing your own money costs €3 per transaction, which essentially penalizes investors for trying to get their funds back.
This is poor practice. Every other crowdfunding or lending platform I’ve used has allowed at least some free withdrawals, and many even pay interest on idle balances.
For a long time I stayed confident in EstateGuru because of their “reassuring” communication about recovery efforts. But that confidence has vanished.
I’m fine with investment risk , that’s inherent. What I’m not fine with are terms and behaviors that feel predatory and unfair to investors.
In short: avoid EstateGuru, their practices are bad for investors.

After 5 years of waiting Estateguru has finally managed to auction collaterals. Just received 121 EUR back from 1250 EUR investment. Rest is written off. Pätikari, mitte investeerimisplatvorm. #$&(@$-+:*

I just experienced a 90% loss on an investment (project #8529) that was advertised as having a 54% LTV with a first-rank mortgage. This implies that the collateral dropped in value by about 95%, which is completely unrealistic for the property in question. There has been no explanation of how they were only able to recover less than 0.3 million, when the collateral was supposedly valued at 5 million.

They have absurd fees (50 EUR) if you have free funds. For 1 year, I've paid over 200 EUR in fees. On top of that, most of the loans are defaulting. The risk management is totally inadequate for the price you are paying. This is the worst platform ever.