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 Invested: €13,000 Withdrawn after ~3 years: €11,300 Still in default for 3 years: €1,700 After three years my result is –13%, assuming the defaul... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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.... See more
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 yo... See more
Company replied
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 an... See more
Company replied
Company details
Written by the company
Estateguru is Europe’s leading real estate investment platform, offering property-backed loans to small and medium-sized businesses, while providing attractive returns for thousands of investors who fund these loans. By connecting developers with investors, Estateguru helps bring to life real estate projects that make our living environments more modern, energy-efficient, and welcoming to live and work in. To date, the platform has facilitated over 7,000 projects with a total funded volume exceeding €850 million. More than 160,000 investors from over 100 countries have joined the platform, with an average historical return of 10.17%. Estateguru is licensed under the European Crowdfunding Regulation.
Contact info
Liivalaia 36, 10132, Tallinn, Estonia
- +372 641 2777
- info@estateguru.co
- estateguru.co
1.5
Bad
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 91% of negative reviews
Typically replies within 1 week
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50€ month??????
50€ month??????? Are you insane? This charge was never clearly explained in the platform’s user flow or communications I received. I believe this practice is unacceptable and has put my savings at risk
Requested remedy
Full refund of the €50 monthly charges applied, unless you can provide a clear contractual basis and prior written notice for them.
A clear explanation of the legal/contractual basis for these charges, including the exact clause in your Terms of Service and sample communications sent to investors.
Confirmation of changes you will make to ensure transparent disclosure to users going forward.
If this matter is not resolved to my satisfaction, I will escalate the complaint to my national consumer protection authority and seek independent legal advice.
8 November 2025
Unprompted review
Reply from Estateguru
Thank you for your message. Please contact our customer support team at info@estateguru.co so we can review your case and provide a detailed explanation regarding the charges applied to your account.
I have a few thousand invested
I have a few thousand invested, with about 22% stuck in recovery for over two to three years with no progress. The rest of the loans are performing well.
1 November 2025
Reply from Estateguru
Thank you for your feedback. We understand your concern about the loans in recovery. While some cases can take longer due to legal procedures or local enforcement timelines, our recovery team continues to actively work on all defaults.
It’s great to hear that the rest of your portfolio is performing well!
Good option for stable interest rate earnings
Reliable and stable option to earn higher interest rates. Only the website should be working better sometimes (connectivity).
31 October 2025
Reply from Estateguru
Thank you for sharing your thoughts. We’re pleased to hear you find Estateguru a reliable option for earning stable returns. We also appreciate your note about website connectivity, our tech team is continually working to improve platform performance.
Reply from Estateguru
Thank you for your kind words! We’re glad to hear you’re happy with the platform.
non-performing loan
An investment with a good interest rate disappeared. It is not among the financed loans either. Insolvent loans have been unpaid for almost 3 years
31 October 2025
Reply from Estateguru
Thank you for your feedback. We can assure you that our recovery team continues to work on all problematic loans. You can find a detailed explanation of how recoveries are handled here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
If you’d like more information about your portfolio, please contact us at info@estateguru.co
No progress in recoveries
No progress in recoveries. I have several defaulted loans, some of them for nearly three years.
They provide an update on the status every 3 months which is just the same bullshit that "Recovery Plan in Completion". One and a half years with the same update and the recovery plan never completed...
This would be a joke, if there was not real money in it...
Stay away, there are much better and trustable P2P companies and offers out there
27 October 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Please be assured that our recovery team continues to work actively on all defaulted loans, and every month brings new resolved cases and returned funds — over €62 million has already been recovered to investors.
If you’d like to learn more about how the recovery process works and what steps are involved, you can find a detailed explanation here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
Burn the money instead of giving it to them
You better spend you money on the most stupid and reckless thing than "invest" in this shitty platform. Burn the money. It's way better. That's how bad and awful they are...
Total scam and thieves.
22 October 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We’re sorry to hear about your frustration and would like to better understand what’s behind your dissatisfaction. Please contact our customer support team at info@estateguru.co with more details so we can review your case and assist you directly.
Multiple defaulted loans
Multiple defaulted loans. After 33 months, I still get the same update that they are trying to recover the funds. Extremely high risk!
20 October 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your concern about long recovery timelines. Please know that our recovery team continues to work actively on all defaulted loans, and every month brings new progress — over €62 million has already been recovered for investors.
If you’d like to learn more about how we manage recoveries, you can read our detailed overview here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
Investing since 2023
Investing since 2023. Everything went wrong. I have lost half of my capital. They always delay and change payment schedules! Stay away!!!
20 October 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We’re sorry to hear that your experience has been disappointing. Since 2023, the platform’s overall performance has been very strong, as shown in our recent update: https://estateguru.co/blog/september-portfolio-update-stable-performance-eg-grow-milestone/
To help us better understand your concern, please contact our customer support team at info@estateguru.co and let us know which payments or projects have caused issues.
Don’t lose your money there
I don’t need to add much more - my experience is already well documented by all the messages: despite having what they considered as a very balanced portfolio (more than 30 different projects) and going for the less risky investments, I am just breaking even today and have no hope of getting more from those projects which have been in default for 3+ years. Many of those projects have the same borrower behind, who seems to have made a nice business model out of not repaying their debts - which indicates that the due dilligencr they perform is very very very weak.
16 October 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your feedback. We continuously improve our credit policies and risk assessment processes to ensure higher quality and better results for investors. While these updates cannot immediately resolve older defaults, the portfolio performance from recent years has been very strong — as shown in our August portfolio overview: https://estateguru.co/blog/august-portfolio-update-third-month-of-growth-strong-investor-activity/
We understand how frustrating it is when loans remain in default for a long time. Please be assured that our recovery team continues to work actively on all such cases, and every month brings new progress and results. So far, more than €62 million has already been recovered from problematic loans.
The biggest Scam ever -Stay away
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. They are useless even in providing a diferrentiated update every time. I lost my money please do not invest yours....
8 October 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your frustration when recoveries take longer than expected. Please know that our team continues to work consistently on all defaulted loans, and every month brings new positive resolutions and repayments to investors.
If you’d like to learn more about how we manage recoveries, you can read our detailed overview here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
Default loans never being repaid, no customer support.
This is an updated review. I wrote a review a year ago, and would like to update it. I invested 6,000 euro in very low risk loans, so far 6,300 has been paid back since 2018. I have 700+ euro in defaulted loans and at this point I will not get it back. I have one loan in particular that I invested in June 2020. It defaulted. There have been no updates for 2 years about it. That's over a 5 year turnaround and the platform simply does not care. Keep your money away from this platform as you will get no support, minimal if any gains as they have become so unreliable. On top of this, they are brazen enough to launch their new Grow part of their platform with a promise of 7% returns. It would be great if they could organize their initial property loans part of their platform before insulting customers with launching new products. Do not invest.
8 October 2025
Unprompted review
Reply from Estateguru
We understand your disappointment with the recovery timelines, especially when some loans have remained in default for several years. Please be assured that our recovery team continues to work actively on all such cases, and so far, more than €62 million has been recovered from problematic loans.
If you’d like to learn more about how we manage recoveries and the steps involved in these processes, you can find a detailed overview here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
If you wish to discuss your portfolio in more detail, our customer support team is available at info@estateguru.co
Defaulted loans
40% of my investment went in default. Already waiting for resolution for 3 years, no progress by so far. There are better ways to lose money. Don't let Estateguru to lose your money on poor loan selection. Highly not recommended.
7 October 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand how disappointing it is when defaults affect a significant part of your portfolio. Please be assured that our recovery team continues to work on all such cases, and every month brings new progress — over €62 million has already been recovered for investors.
If you’d like to learn more about how we handle recoveries and defaulted loans, you can read our detailed overview here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
If you have specific questions about your portfolio or the status of particular loans, please contact our customer support team at info@estateguru.co, and we’ll be happy to assist.
Reply from Estateguru
Thank you for your kind words! We're really happy to hear that your experiences with Estateguru have been consistently positive.
Thieves
Thieves, just when I wanted to withdraw the fund invested they claimed of some management fees and robbed 30 euros over short time.
Also, to mention the lack of clarity and fair business dealings and practices!
5 October 2025
Unprompted review
Reply from Estateguru
We’re sorry to hear about your disappointment regarding the deducted fee. As outlined in our User Terms and Price List, certain service and management fees may apply — for example, withdrawal or inactive account fees. These are always communicated in advance and published openly on our website to ensure transparency.
If you’d like more information, please contact us at support@estateguru.co
dont invest
dont invest! loans are rarely pay back and then they charge high commisions when you want to take back your funds
3 October 2025
Unprompted review
Reply from Estateguru
We’re sorry to hear that you’ve had a negative impression of the platform. Over the years, more than €900 million in loans have been funded through Estateguru, and investors have received over €94 million in interest payments in addition to their principal.
If you’d like us to review the details of your portfolio or clarify any specific cases, please reach out to our support team at info@estateguru.co
Catastrophic
After there were excessive problems with defaulted loans, which still have a default rate of 70% from around 2023 with no prospect of timely collection and recovery of the money, Estateguru introduced several bad measures to squeeze money out of users and punish those who left by squeezing even more money out of them. After failing themselves, selecting poor loans and being unable to push ahead with recoveries, they are now punishing their customers with fees for the few loans that are still active, withdrawal penalties, penalties for being inactive for too long and not continuing to invest, and just waiting for their money to be withdrawn... extremely bad and not recommended. With its greed, Estateguru is digging its own grave.
30 September 2025
Reply from Estateguru
Thank you for sharing your thoughts. We can assure you, resolving loans in recovery remains a priority for us, and more than €62 million has already been brought back to investors. You can also see an overview of portfolio health and recovery progress in our latest half-year video update: https://youtu.be/4jNNcX8nHb4?si=wylo4tAplK_QTrrg
On the topic of fees, withdrawals involve operational costs, which is why a transaction fee applies, and the inactivity fee only comes into effect after 12 months without new investments. Investors are always notified in advance with ways to avoid it, either by reinvesting or withdrawing funds.
If you’d like us to look more closely at your account, our support team is ready to assist at info@estateguru.co
Caution: investor trap
I've been waiting for a refund for over 5 years.
1 October 2025
Unprompted review
Reply from Estateguru
We understand how frustrating long recoveries can be. Please know that our team continues to work on all defaulted loans.
Inactivity fee
30 September 2025
Reply from Estateguru
We understand that the inactivity fee may feel unpleasant, but it is only applied after 12 months without new investments. Before it takes effect, we always send a notification with clear guidance on how to avoid it — either by reinvesting or withdrawing funds during the notice period.
You can not get my money back in a…
You can not get my money back in a default (the loans are not repaid as you know) and you charging me 10Euro per month because I stopped investing in that condition.
30 September 2025
Reply from Estateguru
We understand your concern, our recovery team continues to work on defaulted loans, with over €62 million already recovered so far. Regarding the inactivity fee, it is only applied after 12 months without new investments, and we always provide advance notice with clear instructions on how it can be avoided by either reinvesting or withdrawing funds.
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