EstateGuru Review 2025:Is it Safe to Invest?
My honest review after years of investing on Europe's leading real estate crowdfunding platform. Property-backed loans with 10%+ returns.
🏠 Quick Verdict
EstateGuru is one of Europe's most established real estate crowdfunding platforms. With property-backed loans, ECSPR regulation, and returns around 10-11%, it's an excellent option for diversifying into real estate. The low LTV ratios and strong default recovery track record add extra security.
In order to diversify my investments, I regularly invest on new platforms that I then review so you too can invest on them and feel confident in doing so.
In this article, I will review the real estate crowdfunding investment platform EstateGuru, that I got to know by reading about it on real estate crowdfunding blogs, but also directly heard about it via other investors. Therefore, I really wanted to try it out and to add some more property investments to my portfolio.
What is EstateGuru?
EstateGuru is a European Real Estate Crowdfunding platform based in Estonia, that mainly funds property loans for businesses. As such, all the loans on the platform always come with a property as a guarantee, which makes it very safe for the investors.
Note that I usually prefer to invest in equity real estate crowdfunding (where you get a monthly rent from your properties), so I was at first a bit reluctant to invest in property loans. However, the fact that you can easily diversify into many loans will also provide a monthly income at the end and will add more diversification to my portfolio.
Platform Growth
So far, they have funded over €700 Million worth of real estate loans over the years:
As you can see from the graph, they are continuously growing, and they recently expanded to several European countries like Spain and Portugal, making it a true European real estate crowdfunding platform.
What Returns Can I Expect from EstateGuru?
The returns that you can expect on EstateGuru greatly depends on which projects you will invest in on the platform. Currently, they advertise an average return of 10.34% on the platform.
This is an excellent yield in the real estate crowdfunding space, as many platforms are more around 7%. If you compare that to classical real estate, this is also an excellent annual return, as you will usually only get a 5% annual yield on classical real estate in Europe.
Is it Safe to Invest on EstateGuru?
The question of the safety of the investors' funds is central when investing on a crowdlending platform. When reviewing a new platform before adding it to my portfolio, I look at three things: what the platform offers in terms of guarantees, the company itself (and their team), and how the projects listed on the platform are picked.
🛡️Risks & Guarantees
Property Collateral: EstateGuru offers loans that are backed by real estate properties, which serve as collateral in case something goes wrong with the project.
Low LTV: They have low LTV (loan to value) on all projects, usually around 50%, meaning there will be enough cash to cover investor funds in case of default.
Transparency: EstateGuru regularly publishes reports showing statistics about the company, loans funded, current project statuses, and much more.
📜European Crowdfunding License (ECSPR)
They got their European Crowdfunding license (ECSPR) in May 2023, which is excellent news for the platform:
This means that the platform is now regulated under the European framework for crowdlending platforms, adding an additional layer of safety for investors.
🏢 The Company & Team
As for all platforms I add to my portfolio, I checked that EstateGuru was actually a real company registered in Estonia, and it is. I also checked their management team to see who is actually behind the platform. The information was really easy to find on their site, and I really liked this transparency.
I checked the profile of their co-founder Marek Partel. I found that he has a long track record in finance & real estate, having been the co-founder of Invego, a company that builds real estate projects in Estonia.
🔍 Project Selection Process
On EstateGuru, all projects come from borrowers that apply for funding. They are currently coming from many EU countries, like the Baltic states but also countries like Spain or Portugal.
They use a strict process to select which real estate projects will be funded, evaluating the financials of the projects, but also the experience and track record of each borrower. They only take projects with low LTV, usually around 50% from what I've seen recently.
Getting Started with EstateGuru
It is actually really easy to get started with EstateGuru and have your money start generating interest on the platform.
1. Creating an Account & Depositing Money
As for most real estate crowdfunding platforms, the first step is to open an account. On EstateGuru, this is very easy and it took me less than 5 minutes to get my account opened.
Once this is done, you can add money to your EstateGuru account. I did that via TransferWise, and the money was on my account in 2 days. As a note, I now systematically try to also withdraw money on all platforms I review, just to make sure there's nothing shady going on. For EstateGuru, there were no problems at all and I got my money back in 2 days as well.
2. Browsing Available Deals & Investing
You can now browse deals that are available on the platform. Most loans are short to medium term property loans, which is great as you'll get your money back faster & it's usually a sign of a solid borrower. For all loans, the property comes as a guarantee. The interest rates are usually around 11%.
You can dive deeper into each loan and get a lot of details:
For some projects, you can even get drone footage of the properties, which I think is pretty cool. You'll also find information about the borrower and the exact loan repayment calendar.
3. The Auto-Invest Function
You could invest manually into each loan, but this is not what I would recommend. As the default rate on EstateGuru is quite low, it's safe to spread all your capital into as many loans as possible. For that, they have a handy auto-invest function:
I chose a custom strategy with the following settings:
My Auto-Invest Strategy:
- • Focus: Short-term loans only
- • Reason: Highest quality loans + faster money return
- • Note: Loans fund very rapidly, so I might raise the €50 cap in the future
My Current Results with EstateGuru
Let's talk about the returns I've gotten since I first invested. It's now been several years since I started investing on the platform.
Current Loan Status:
- • 1 project in 31-60 days late zone
- • 1 project over 60 days late
- • 4 defaults (out of 85+ projects)
However, EstateGuru has an excellent track record of default recovery, and so far no capital has been lost for investors on the platform. For two of my defaulted loans, EstateGuru is already in the process of collecting funds, and the process is well underway for the others.
Pros and Cons
Pros
- Property-backed loans (real collateral)
- ECSPR licensed (EU regulated)
- 10%+ average returns
- Low LTV ratios (~50%)
- Excellent default recovery track record
- Pan-European coverage (multiple countries)
- Easy-to-use auto-invest feature
- Transparent reporting
- Quick account setup (5 minutes)
- Fast withdrawals (2 days)
Cons
- Property loans (not equity ownership)
- Some defaults do occur
- Loans fund quickly (may need higher auto-invest cap)
- Recovery process can take time
Verdict: Should You Invest on EstateGuru?
As I mentioned at the start, I usually prefer more 'traditional' real estate crowdfunding investments where I own a part of a property that gives me monthly income from rent. However, I have to say that I am really satisfied with EstateGuru.
The fact that I can invest in a wide variety of loans with great returns means that after some time it's like receiving a monthly 'rent' from my investments on the platform. After years of investing, I have good returns and whereas some loans went to default, this is expected on such a platform. EstateGuru has an excellent track record of recovering defaulted loans with so far no capital loss for investors.
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