Bulkestate Review 2025: a Safe Platform with Over 14% Returns
In-depth review of Bulkestate real estate crowdfunding platform with personal investment results and safety analysis
Quick Verdict
Bulkestate is a real estate crowdfunding platform offering high returns above 14% on development projects secured with mortgages. The platform has a strict selection process and offers easy investment with auto-invest features, making it a good option for portfolio diversification. However, recent issues with late loan repayments and fund withdrawals mean I cannot currently recommend this platform.
Try BulkestateWhat is Bulkestate?
Bulkestate is a real estate crowdfunding platform based in Estonia, and that was funded in 2016. Over 13,000 investments have already been made on the platform at the time of this writing, and projects usually have a term of 12 months.
They focus on funding real estate development projects with quite high returns, usually above 14%. What is unique about them is that they also offer investors to buy deals in groups, to acquire apartments at wholesale prices as together they acquire the whole building. This is not something I am personally interested in so I won't mention it more in this review, but it is an interesting feature of the platform.
What Returns Can You Expect?
Real returns based on my investing experience
Bulkestate advertises an average return of 15.32% on their site, which is in line with the yield you see on most of the projects (most of them are in the 14-16% returns range).
Having started to invest on the platform in the summer of 2019, it is way too early for me to confirm that at this stage, but the early returns I received from Bulkestate are exactly what it should be. With the projects I invested in, my overall return should be around 12.81%. My current XIRR (from raw data coming from Bulkestate) is at 10.32% and rising as more projects get repaid. I will of course update this section once I have more results from Bulkestate.
Auto-Invest Function
Bulkestate offers an auto-invest feature to automatically invest in new projects as they become available on the platform.
Automatic Investment
Set your preferences once and let the platform automatically invest in new projects matching your criteria
Never Miss Deals
Since deals fund quickly, auto-invest ensures you don't miss out on investment opportunities
Portfolio Diversification
Set maximum investment per project to automatically build a diversified portfolio
While the auto-invest function is quite basic compared to other platforms, it's efficient and easy to set up, helping you capture deals that would otherwise be fully funded before you could manually invest.
Is Bulkestate Safe?
Key safety features and regulatory compliance
Real Estate Mortgage Security
Each loan is secured with a real estate mortgage, ensuring investor protection even if borrowers default
Expert Committee Review
Strict selection process with each project reviewed by experienced real estate and finance experts
Sufficient Mortgage Coverage
Only projects where mortgage covers both invested capital and interest are selected
Low Investment Minimum
€50 minimum per project allows for better portfolio diversification and risk reduction
🔒 Mortgage-Backed Security
On Bulkestate, each loan is secured with a real estate mortgage, which means that even if the borrower doesn't pay back, they will sell this mortgage to reimburse the investors. According to Bulkestate, this will be enough to cover both the invested money and the interests of each loan. The only thing that can happen in that case is that your repayment will be delayed, therefore reducing the actual yield of the project.
✅ Strict Project Selection
They also have a very strict process to select deals that they put on the platform, having each project pass through a committee composed of experienced real estate & finance experts. As I mentioned earlier, they also only select projects in which the mortgage offered as security is sufficient to cover the money invested by the investors plus the interests in case of default.
🎯 Diversification Benefits
Also, you can invest in each project from just 50 Euros, which is lower than other similar platforms. This means that with the same capital, you have more opportunities to diversify your investments on Bulkestate, therefore reducing the level of risk on your portfolio.
Getting Started on Bulkestate
Create Your Account
Sign up for a Bulkestate account in less than 5 minutes with basic information and verification
Deposit Funds
Transfer money using the provided IBAN and reference code. Funds typically arrive within one day
Set Up Auto-Invest
Configure auto-invest settings with your preferred investment amount and criteria to automatically diversify
Browse and Invest
Review available projects with detailed financial information and invest manually or let auto-invest handle it
Pros & Cons
✅ Pros
- ✓High average returns of 15.32% on real estate projects
- ✓Low minimum investment of just €50 per project
- ✓Each loan secured with real estate mortgage
- ✓Strict selection process with expert committee review
- ✓Easy account setup and deposit process (less than 5 minutes)
- ✓Auto-invest function available for automatic diversification
- ✓All payments received on time in early testing
- ✓Unique group buying feature for wholesale apartment acquisition
- ✓Quick funding process with IBAN transfers
- ✓Detailed project information available for each deal
❌ Cons
- ✗Recent issues with late loan repayments
- ✗Problems withdrawing funds from the platform
- ✗Deals get funded very quickly, making manual investment difficult
- ✗Auto-invest function is quite basic and could be improved
- ✗Potential delays in repayment if borrower defaults (even with mortgage security)
- ✗Platform currently not recommended due to recent issues
My Personal Investment Results
I started to invest in Bulkestate in July 2019, with a sum of 250 Euros as I usually do on most platforms I try out. Since then, I injected another more money on the platform to invest in more projects, and turned on the auto-invest feature so it automatically invests in new projects on the platform.
Since then, I received all payments on time, and even sometimes received more interests than expected. I also had some projects coming to completion, meaning I received interests + the principal that I invested, and again everything was according to schedule.
As for all platforms that allow to export data, I exported all the data to TrackInvest to have a detailed look on my Bulkestate account. I found that my current yield is of 13.2% - in line with the loans I invested in.
I will definitely update this section as I get more results from Bulkestate, but so I can say I am definitely happy with the platform.
Final Verdict
So far, I am really happy with Bulkestate. The platform offers real estate development projects that went through a strict selection process, and that offer high returns for investors, usually above 14%. On top of that, the platform is really easy to use and offers an auto-invest function that's efficient and really easy to set up (even if a bit too basic). Overall, I really recommend trying Bulkestate to diversify any real estate crowdfunding or Peer-to-Peer lending portfolio.