Estateguru Reviews 1,519

I started investing 3 years ago with the lowest possible amount, to see if the platform was reliable. After a year I received the invested amount and the promised interest. I then started investing on a regular base, with the lowest possible investment to see if the platform could deliver. EstateGuru kept on delivering it's promises. In those years EstateGuru has changed it's interface, it's way of working and it's costing structure, all minor changes. But always informed investors multiple times in many ways, by mail etc.
When the German market started to show trouble, EstateGuru informed me on a regular base about possible outcomes. When loans started to be delayed, again EstateGuru informed investors about what they were doing and why, to protect investors.
Eventually some loans I invested in were defaulted. As investing always involves risk. EstateGuru is still handeling some these with their staff and external experts.
The platform has loans from different countries, especially the Baltics. There were Portuguese, Spanish and German loans on the platform but these have disappeared it seems. The loans vary in size, interest, repayment method (bullet, full bullet, ..). There is a market available to buy or sell investments to other investors. It has started to implement a "Grow" side project where EstateGuru invests your money for a fixed netto monthly return of 7%, lower than interest rates on the platform but without the need to do anything yourself.
For me this is a great extra income stream, affordbale with minimum buy-ins of 50 euro, with almost no limit for a max Buy-in.
There are several safety checks involved in registration, submitting funds and investing in projects. All loans are backed so in case of trouble there is a big chance of returning most of you investment back

This is a terrible platform. I am an avid user of many other similar platforms (e.g., Mintos, Peerberry, Urbanitae), and I have yet to find one as bad as this one. ALL of the projects I selected (5) have defaulted (invested in 2021), 0% recovery even though all had LTV around the 25% mark.

But apart form their loans, the platform is just scammy. The withdrawal mechancis (not that I will be using them) are hidden, and apparently one of the loans was reimbursed, but that money just disappeared and is not in my wallet....

Terrible, put your money in at your own risk

More than three years have passed and my entire portfolio is still in “Default.” For months, I have been receiving the same automated message claiming that a “recovery plan is ongoing,” yet there has been absolutely no progress or concrete action. No solution has been delivered, no transparency provided, and no returns generated. Investors should be extremely cautious, as I have effectively lost my money.

This company is a scam and I hope this CEO and his board be arrested soon. The customer service gives automatic answers to specific enquiries and all my investments are defaulted for almost 4 years! They just give an update of the progress in 3 in 3 months with te same message.

I started to invest with this company a few years ago, and for a quite a long time everything was OK. However, from about 2020, I have about 50 my investments defaulted and only a few were recovered. The loss is enourmous. The brave and optimistic company's reports about their great achievements are just a lie. Moreover, they started to charge investors for withdrawal their funds (3 Euro) and for not using their funds (10 Euro per month) which seems quite cynical ways of keeping themselves on board. I would say that their team who did research on borrowers and their ability and wish to use loans properly and pay them back, was extremely incompetent, if not dishonest.

Stay away if you want to invest your money in something legit. They market their solution with providing around 9% return but every time an asset is written off meaning you don't even get your investment back they don't take that into account. I attach a calculation of my investment below.

Also when an asset you invest in goes bankrupt they don't provide any information only do a paste & copy message every 6 months literally all the same for all assets.

I got so upset with that that I sent them an email complaining they got back a couple of weeks later stating that "unfortunately no additional information can be provided". I lost 2/3 of my invested capital.

I attached the way with my real world example how they calculate their "return". It's I think a scam. You lost half of your investment even after interest and spent 4 years waiting for it to be paid back and your return is -9% ??? Really, I mean I am not a genius in math but come one.

I can only say stay away if you ever want to see any of your money again. Scam.

On google reviews I also added the actual screen capture from their calculation, how they calculate net interest. Here unfortunately I can't add a photo.

Investing into various crowdlending platforms. This one's the most terrible experience. Loans stuck for years, money don't come back. They charge small investors for assets under management fee. If you whitdraw money - each time you have to pay 3 eur - unlike in other plaforms where it's free or once per month is free. Do not invest here !!!!

worst P2P site ever, i have 2K stuck with them, unable to recover for +2 years, of course I did not put any money in them anymore. Then they put 50 EUR fee per month as I am inactive, and they took 12 Euro from my account w/o notice, they noticed me afterwards on these fees.

Total scam - lost half of the investments and managed to only recover the other half, i.e. no interest was ever paid out. On top of that they debited my balance without a prior warning "due to inactivity".

Stay away from this total SCAM!!! Invested over a long time, since 2020. Everything started reporting default and none have been reported as recovered ever since! And no serious communication from anyone. You contact so called support and only get bots responding, like the ones here that repeat the same to every complaint: "Please be assured that our recovery team continues to work actively on all defaulted loans". Yeah, right!!
They provide what they call an update repeating every 3 months the same bullshit text "Recovery Plan in Completion", for almost two years now!!

I cannot say anything positive about this company, investing with them you get only disappointment and frustration, losing the money you invested.

They shall be judged for their scam

Stay away!!!!! Half of my project have been defaulted more than 3y and when they “recover” the default ones, you lose half of your money.
Worst investment ever.

Invested over 9k over a long time, in 2020 everything started defaulting and none of the default have been recovered ever since. No communication from the staff of anyone. It might have been a decent high risk platform many years ago, but currently just stay away. None of my 20+ investments have been recovered after a default for over 4 years. That says a lot.

I invested in EstateGuru back in 2021, hoping to diversify and support real estate projects. At the beginning everything seemed fine, but over time many of the projects failed or became “stuck.” More than four years later, I still have around €4,000 locked with no clear recovery date.

But that’s not even the biggest issue. The platform charges excessive fees even when users have zero control over their balance. While the projects remain unresolved, my account balance sits at €0. However, whenever a small amount is recovered — for example €300 — if I don’t log in immediately to withdraw it, EstateGuru charges €50 per month just for having that balance. After a few months, those €300 were reduced to €150 without me being aware. An absolute joke.

And when you finally try to withdraw your own money, they charge €3 per withdrawal. In other words: they charge you for investing, they charge you while you wait, they charge you when you recover money, and they charge you again when you try to withdraw it. In a world where bank transfers are practically free, this policy is unjustifiable.

What’s worse is their response: “there’s nothing we can do.” This attitude shows a complete lack of respect for investors, who already take the risk of project failures and still get punished with outrageous fees.

If I ever considered using EstateGuru again, these practices make it absolutely impossible. I cannot recommend this platform to anyone. Their fee structure is abusive, they do not take care of their investors, and they penalize those who have already lost the most.

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🆕 UPDATE after company response:
Thank you for replying, but your answer doesn’t change my experience as an affected investor. Whether the problematic loans are “old cases” or not is irrelevant to me: they are my investments, and they have been blocked for years with no clear resolution. The money I eventually recover arrives in small amounts, and the moment it hits my balance I’m immediately exposed to high fees — either €50 for inactivity or €3 per withdrawal. In practice, this means that not only do I fail to recover my full investment, but what little I do recover is slowly eaten away by charges.

For investors stuck in long-term defaulted loans, the least EstateGuru could do is to exempt these accounts from penalties, given that we did not choose to leave our balance idle — the platform made it impossible to reinvest due to unresolved projects. Between the loss of capital, years of waiting, inflation, opportunity cost, and additional fees, the final result is a financially disastrous experience.

This is exactly why I do not recommend EstateGuru to anyone looking to invest wisely. A simple diversified ETF delivers far better and safer long-term returns than what I’ve experienced on this platform.

Your money will sink in default forever. It's outrageous to see a scam of such a scale like estateguru in the EU.

Please don't spend your hard earned…
Please don't spend your hard earned money on this business. More than 95% of my loan is default and waiting for more than 3 years ,there is no recoveryandd when i see their website they claim they reecovered billions of euroes but i did not belive its real data.so best thing is put your hardest money in other than Estateguru.If you have already put into estateguru and their defaulting loans, best to forget about it. Even if you get something back, you will realize its all taken as fines by estateguru due to no account activity if you dont log in asap and withdraw(why would anyone even check the account when there is nothing but default there)

Review:

I have been investing on EstateGuru for a while, and unfortunately my experience has been mostly negative. A large number of my loans have defaulted or are significantly overdue, so the platform has delivered very little return for me. On top of that, they charge a fee on the small amount of interest that still comes in.

What frustrated me the most is the monthly “inactivity fee.” Since I was barely active, this fee was deducted even during a period when I simply didn’t log in for about 10 days. In my case, the fee essentially wiped out the interest I had received.

I contacted customer support by email around three weeks ago to request a refund of these fees, but I haven’t received any response so far.

Based on my personal experience, I cannot recommend EstateGuru at this time.

Absolute thieves. Disgusting management. My worse experience with a company EVER.

Scam! Scam! This is a total scam! Stay far away from this company! For three years, they’ve been repeating the same empty promises, claiming they have a finished plan — but nothing ever happens. They took my money, so don’t let them steal yours too!

It is a scam. I have multiple defaulted loans for years that are never get recovered.
The updates are always the same coming every three months showing no progress.I've been waiting for a refund for over 5 years!