EstateGuru Review 2026: Rates, Risks & Verdict
| Returns | 8–11% p.a. (advertised) |
|---|---|
| Min. investment | €50 |
| Buyback | No buyback. Loans are secured by (mostly first-rank) mortgage collateral instead. |
| Auto-invest | Yes |
| Secondary market | No |
| Asset classes | Real estate, Business loans |
| Fees | No fees to invest; inactivity and withdrawal fee schedule applies. Check current pricing |
| Regulation | ECSP licensed (Estonian FSA (ECSP regime)) |
| Founded | 2013 |
| HQ | EE |
3.2 / 5 · Overall
- Returns
- 3.5
- Liquidity
- 2.0
- Track record
- 3.0
- Transparency
- 3.5
- Usability
- 4.0
What we like
- ✓Property-backed loans with first-rank mortgages
- ✓Long operating history (since 2013) and ECSP license
- ✓Strong deal flow across the Baltics
What we don’t
- ✕Heavy default and recovery backlog from the 2022–2023 German loan book
- ✕No buyback; recoveries can take years
- ✕Secondary market discontinued
⚓ Risk notes
The 2022–2024 default wave (especially German bridge loans) is the cautionary tale: collateral slows losses but does not prevent multi-year recovery timelines. Check the live default/recovery statistics before investing and treat advertised returns as gross of delays.
EstateGuru is the platform that teaches European P2P investors what “secured” actually means: not “safe”, but “slower to lose money, slower to get it back”. It’s been the biggest name in property-backed P2P since 2013, and it spent the last few years living through the stress test everyone else only theorizes about.
The business
Bridge and development loans to property companies, secured by mortgages (mostly first-rank) across the Baltics and selected EU markets. You lend from €50 per project, interest accrues at 8–11%, and the mortgage is the safety net. An ECSP license now sits over the whole operation.
The German lesson (read this part)
The 2021–2022 push into Germany is the defining event of recent EstateGuru history: a big slice of that loan book defaulted into a falling property market. To their credit, the statistics page kept publishing the carnage: default rates, recovery progress, all of it. The Baltic core book performed far better throughout.
What it means for ye: the system worked (mortgages limited ultimate losses), but the timeline is brutal: multi-year enforcement processes, capital frozen the whole way. Anyone who had oversized EstateGuru learned about position sizing the expensive way.
Investing there today
The platform refocused on its strong markets, tightened underwriting, and deal flow remains the deepest in Baltic property lending. Auto-invest works well; the discontinued secondary market means commit-to-term money only.
Verdict
A legitimate, license-backed way to hold property-secured credit, run by people who publish their failures, which in this niche is rarer than it should be. Size it like what it is: illiquid, cyclical, collateralised. The risk guide chapter on recovery timelines was half-written by this platform’s history.
Ready to board EstateGuru?
Visit platformFrequently asked questions
Is EstateGuru safe?
It's mortgage-secured investing, not saving. The 2022–2023 German loan book produced a major default wave that EstateGuru is still recovering from. Collateral has limited losses, but recoveries take years. That's the honest risk profile.
What happened with EstateGuru's German loans?
Aggressive 2021–2022 expansion into German bridge lending met a property downturn; a large share of that book defaulted. The portfolio has been in managed recovery since, and the platform refocused on the Baltics where its record is far stronger.
Does EstateGuru have a buyback guarantee?
No. Protection comes from mortgage collateral (mostly first-rank). When a loan defaults, the property is enforced and sold. Effective, but slow.