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 Invested: €13,000 Withdrawn after ~3 years: €11,300 Still in default for 3 years: €1,700 After three years my result is –13%, assuming the defaul...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
Company replied
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Review summary
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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
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Replied to 91% of negative reviews
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DO NOT PUT YOUR MONEY HERE!!!
DO NOT PUT YOUR MONEY HERE YOU WILL LOOSE IT. I have invested since 2019. I invested small sums into different loans. My total return after 6 years is -40%. It will not be different for you, at first it seems legit until you understand that you will loose 100% of the money if the loan defaults. I have loans that are 5 years and still not recovered. Almost no loans get recovered and default rate is around 40%, just google it. Please don't give these people another dime.
Edit: they have replied and I will deconstruct how they try to fool you: "Since the platform's launch, only three loans have resulted in a full principal write-off". "write-off" is a term they created. In practice there are hundreds of loans that sit there for 5-6 years. Everyone knows there's no chance that they will get recovered. Out of that 100 loans they choose 3 to "write off" and then claim "only 3 loans resulted in write-off". Yes, all investments carry risk, but THERE'S NO WAY FOR THEM TO LEGALLY VALIDATE THE MORGAGE SECURITY!!! And this fact is hidden from you. So your loans are NOT secured in practice. Combine that with 50% default rate and you'll get my results: after 6 YEARS of investment I LOST 40% of the money.
10 May 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Please be assured that managing and resolving defaults remains one of our top priorities. Since the platform's launch, only three loans have resulted in a full principal write-off. Recovery work is ongoing for all defaulted loans, and we continue to pursue each case actively.
That said, all investments carry some level of risk, and in certain cases, those risks may materialize. We understand how disappointing this can be and remain committed to keeping investors informed and focused on recovering as much value as possible. You can also find more information about how we handle recoveries here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
3eur fee just to withdraw your own…
3eur fee just to withdraw your own money. absolute joke.
Update: no other platform charges their customers to access their own funds, yet EG throws up the answer below. Lol.
6 May 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Due to regulatory requirements, processing transactions does create some operational costs for Estateguru. To keep our pricing transparent, a share of these costs is applied to investors as a portal operator service fee, which is charged when a withdrawal is made. We understand this might not be the most convenient option for investors, and we're sorry for the inconvenience this has caused.
Very, very, very bad
I really regret having invested in Estateguru. Too many delayed projects + crazy high rates + terrible customer service = worst nightmare! Unfortunately I have nothing good to say about them. I DO NOT RECOMMEND them to anyone. Worst thing ever. Run away!!!
1 May 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your feedback. We fully understand how concerning delayed projects can be. While we have a dedicated team with significant experience in handling defaults, in some jurisdictions and cases the recovery process can take longer than anyone would like.
If you'd like to learn more about how we manage such situations, we’ve explained our approach in detail here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
Also, if there are specific concerns you feel haven't been addressed, please don't hesitate to reach out to our customer support team.
Happy with the experience.
Happy with the experience.
I started with Estateguru 2.5 years ago. The idea was to build a habit of investing and make my savings work a bit harder.
So far, it’s been a smooth experience. I prefer projects with regular interest payments, and checking my portfolio once a week has become part of my routine. I’ve made several deposits and withdrawals during this time, and everything has worked well. It takes a bit of time to move the money, but that’s not an issue for me.
I’ve contacted the company for help a few times. The communication has been helpful, and I always received the answers I needed.
The overviews of the loan options and the real estate developers behind the projects are really useful. The dashboards are clear and easy for me to understand.
One of the projects I invested in is actually being built near my apartment. I guess that adds an interesting personal touch to the whole investing experience.
1 May 2025
Reply from Estateguru
Thank you for taking the time to share your experience. It’s great to hear that Estateguru has become part of your regular investing routine and that both the platform and our support team have met your expectations.
Worst it is scam
29 April 2025
Unprompted review
Reply from Estateguru
We would be happy to clarify any business processes or questions that you might have to help you understand how Estateguru works. For any questions, please feel free to turn to info@estategru.co
If anyone wanna complain about…
If anyone wanna complain about Estateguru them write info AT Fi.ee
(Finance Inspection)
I also sued them. I belive they really Are scammers.
Also info AT politsei.ee (Police)
28 April 2025
Unprompted review
Reply from Estateguru
We’re sorry you feel this way. For any questions about our platform or products, please contact our customer support at info@estateguru.co and we'll explain as much as possible.
This company is a SCAM. Stay clear for your sake
Can anyone help, please? I started investing with this company in 2022 and initially, everything worked OK, but for the last 12 months it has been a real disaster. 40% of my investments (over 160K Euros) has been in a "recovery" status now for over 18 months (the entire German portfolio, 90% of the Finnish portfolio, over 30% of the Lithuanian portfolio.
It obviously should not take this long to recover a loan irrespective of which jurisdiction it is in.
I now believe this company is a complete scam (sitting on 67K Euros of my money).
I would appreciate anyone's help on how to go about reporting this company for fraud and also, if anyone knows, how to try and get my funds back (even if it is just the original amount with no interest gains)
25 April 2025
Unprompted review
Reply from Estateguru
We appreciate your feedback and apologise for the inconvenience. While we cannot comment on your personal portfolio (for that, we encourage you to contact us at info@estateguru.co), we can confirm that resolving defaults in certain jurisdictions can take significantly longer due to the local legal environment. For all loans with an "in recovery" status, the process is ongoing, and historically, only 0.02% of loans have been written off. Please rest assured that our team is actively working on all defaulted loans to recover them.
An online company that became a pirate…
An online company that became a pirate financial crowdfunding company, with poor administrative management and no emergency fund to reimburse repayments to a multitude of clients, small investors, to ensure payment to large investors. What they owe you goes into the pocket of a large investor. They justify this by sending you messages with extensions, and you don't know if the project was actually executed or not so you can get your investment back, since you can only trust this company's word because there's no way to obtain reliable information on the progress of the projects. My final advice: report them; you can do so online, to the Estonian government, and future investors shouldn't even think of putting their money there. Estateguru are professional scammers.
24 April 2025
Unprompted review
Reply from Estateguru
Thank you for taking the time to share your concerns. We would like to clarify a few points. Estateguru operates as a platform that facilitates loans between investors and borrowers. We do not hold loans on our own balance sheet, and a contingency fund has never been part of our business model. However, we manage the entire recovery process in case of default, all the way to either recovery or, if necessary, writing off the loan.
Estateguru is regulated and supervised by the Estonian Financial Supervision and Resolution Authority, which ensures equal treatment of all investors. It is not possible to favor one investor over another. Project extensions are allowed for up to six months, as outlined in the loan agreements. Investors can also independently verify project status by checking the registered mortgages in the official land registry.
It is a scam company
It is a scam company. Impossible to withdraw (submitted three times the documents to review, different set of papers as my IBAN proof does not seem official enough to them and the second IBAN has a title in front of my name and they can not match it…). They continue to charge me for not continuing to lock even more money with them. You will not earn with them, they will rip you off.
24 April 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your concern. Our team manually reviews IBAN verification documents that are not accepted automatically. The title or formatting of the document itself is not the deciding factor, but the document must meet certain validity requirements. To help you resolve this, please contact us at info@estateguru.co, and we will explain the issue with the documents you submitted and let you know exactly what we would need to verify your IBAN. Thank you for your cooperation.
After an endless circusAccount Closure Impossible: Glitch or Glorified Scam? of…
After an endless circus of back-and-forth with this company, closing my account remains as achievable as finding logic in their customer service. Their 'procedure'? A masterclass in absurdity: demand redundant actions, pretend to process them, then loop back to step one like a broken record. Is their system glitched, or is this intentional sabotage? At this point, it’s a valid question. Either way, they’ve earned the gold medal in bureaucratic clownery. Pro tip: avoid this joke of a company unless you enjoy self-inflicted headaches."
22 April 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback and we are sorry to hear about your experience. Please rest assured that closing your account is possible. You can let us know your request by contacting us at info@estateguru.co, and our team will guide you through the process. Alternatively, you can follow the steps available in your portal settings.
EG is officially "dead site"
EG is officially "dead site", they only try lure new investors to never ending trap and pretend that high amount of defaulted loans never happen.
Some of my money (thousands of euro) are here stuck in default more than 4 years without progress, EG cheerfully post new articles and teach investors "how investing in estate work". A mockery for all investors.
I think that just find a EG "legally" way how to scam investors by offering unverified and dubious products, now it is additionally covered by a number of new terms and conditions that are intended to limit the possibility of enforcement by investors. So they literally want say investors "say goodbye to your invested money".
Fees and other things probably don't need to be mentioned.
AVOID THEM AT ALL COST and i hope EG will be will be investigated soon and all investors will get back the money that is due to them..
21 April 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your thoughts. Please be assured that we take all feedback seriously. Regarding loan statistics, Estateguru has been among the few platforms that have consistently published the full loan book and performance data, which is available for all investors on our statistics page.
When entering into a loan agreement, investors provide the platform certain rights, including decisions related to recovery processes and enforcement. Our terms and conditions, along with our activities, are regulated and supervised by the Estonian Financial Supervision and Resolution Authority, which ensures that investor interests are protected.
Never make …
Never make any further payments o͏r͏ e͏l͏s͏e͏ t͏h͏e͏y͏ w͏i͏l͏l͏ t͏a͏k͏e͏ y͏o͏u͏r͏ m͏o͏n͏e͏y͏ f͏o͏r͏ v͏a͏n͏i͏s͏h͏i͏n͏g͏ a͏n͏d͏ o͏n͏ t͏o͏p͏ o͏f͏ i͏t͏ d͏e͏n͏y͏ y͏o͏u͏ a͏ w͏i͏t͏h͏d͏r͏a͏w͏a͏l͏ o͏p͏t͏i͏o͏n͏. I͏ w͏o͏u͏l͏d͏ n͏e͏v͏e͏r͏ h͏a͏v͏e͏ g͏o͏t͏t͏e͏n͏ m͏y͏ m͏o͏n͏e͏y͏ o͏u͏t͏ i͏f͏ n͏o͏t͏ f͏o͏r͏ s͏o͏te͏r͏ig͏u͏a͏r͏d͏ i͏n͏ t͏h͏e͏ p͏i͏c͏t͏u͏r͏e͏.
16 April 2025
Unprompted review
This Scam must be exposed
Thousands of dollars to recover after years and when they finally recover 150 euros they charge me 50 of those euros as fee. This scam must be exposed.
16 April 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your concern. It looks like your account was subject to the inactive account fee, which applies to accounts that have been inactive for more than two years. Before applying the fee, we send a notification email explaining the options to avoid it - either by withdrawing your funds free of charge or by making an investment to reactivate the account. If you have any questions, our customer support team will be happy to assist you at info@estateguru.co.
Horrible
Horrible, they dont return my money back and aditional they are taking 50 euro per month because I am not investing... Of course not! you are one of my worst decision to invest...
1 April 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. To clarify, it seems your account was subject to the inactive account fee, which is applied to accounts that have been inactive for more than two years. Before the fee is charged, we always send a notification email explaining the options to avoid it - either by making a withdrawal free of charge or by placing a new investment, which would remove the inactive status.
Scam platform
Scam platform - stay away, stay away, they put your money in defaulted loans and in case anything is recovered they charge you 50 euros inactivity fee, essentially all invested money is gone.
3 April 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We would like to clarify a few points. All investment decisions are made directly by investors or through their Auto Invest settings. Estateguru does not provide portfolio management services or make investment choices on behalf of investors.
Regarding the fee, your investor account is a special-purpose virtual IBAN account. Regulations in the crowdfunding sector require that funds in such accounts are actively used for investment within a reasonable timeframe. Holding funds without activity over an extended period goes against these requirements. This is why, to ensure compliance, accounts must either have active investments or funds should be withdrawn.
In the notification email about the fee, we also explain the options to avoid it by either withdrawing your funds free of charge or placing a new investment, which will remove the inactive status.
Payout isn't processed for months
I have worked more than 4 months on having my IPAN approved for returning my uninvested funds. I submitted documentation for 4 different accounts, some repeated, but after some days my documentation is just deleted without any reason.
29 March 2025
Unprompted review
Reply from Estateguru
Thank you for bringing this to our attention. IBAN verification is handled by our payment service provider, and we are sorry to hear about the difficulties you have experienced. If you contact us at info@estateguru.co, our team will be happy to assist you and check what might be causing the issue.
scam. run away
they will lock you money into a defalted loan and as soon as a partial repayment is made they will steal it from you as a forced inactivity fee.
stay away. SCAM
You lied in your answer. The account is inactive because I do not want to make new investments and I have money locked up in defaulted loans. So yes, it is still a SCAM
23 March 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your concern. It seems your account was subject to the inactive account fee, which applies to accounts that have been inactive for more than two years. Before applying the fee, we always send a notification email explaining that you can either withdraw your funds free of charge or make a new investment to remove the inactive status.
If you have any questions about the fee or would like us to review your case, our customer support team is available at info@estateguru.co.
Highly subpar loan underwriting, predatory business practices
Most of the German portfolio of the platform went into default. I have long stopped investing but the platform still trying to keeps ripping me off on partial recoveries of defaulted loans by (a) charging me up to 50 EUR/month for idle balances on the platform and (b) continually increasing the withdrawal fees (which are unavoidable)
23 March 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Your investor account is a special-purpose virtual IBAN account. Regulations in the crowdfunding sector require that funds in such accounts are used for investment within a reasonable timeframe. Keeping funds inactive for extended periods conflicts with these requirements. This is why accounts must either have active investments or funds should be withdrawn.
When we notify investors about the upcoming inactive account fee, we also inform them that they can withdraw their funds free of charge during the specified period.
Avoid, huge fees for nothing. Many defaulted investments - in recovery for years.
Unfortunately many investments defaulted and the company charges inactive fees of 100EUR+ per year when you are just waiting for money being refunded. Avoid this company, never start here.
21 March 2025
Unprompted review
Unacceptable service
They kept adding fees to it, and now I have been trying to leave the platform for almost year but I can't since I have a loan defaulted since April 2024.
18 March 2025
Unprompted review
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