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 Invested: €13,000 Withdrawn after ~3 years: €11,300 Still in default for 3 years: €1,700 After three years my result is –13%, assuming the defaul...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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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
1.6
Bad
2K reviews
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They are suspected of fraud and they did an INTERNAL investigation?
EstateGuru promoted its risk management to attract investors. Yet almost all of the German loans went straight into default. In their updates, they claimed they were having difficulty recovering funds because the borrowers were "hostile." All of them? How is it possible that none attempted to repay? This suggests they may have loaned significant amounts to only a few individuals — which raises serious concerns about possible fraudulent activity within the company.
When confronted, the CEO stated that they were conducting an internal investigation. But is that really acceptable? This situation demands a criminal investigation by the authorities, not a private internal review.
Furthermore, the company should not be allowed to hide behind its "ongoing investigation." The CEO owes the public a full and transparent explanation of what happened. Personally, I would recommend contacting the Estonian government to request official action.
PS. EG, do not bother replying with some "We understand your frustrations,"copy and paste nonese. Your actions show us you don't care.
August 1, 2025
Unprompted review
Reply from Estateguru
We acknowledge your concerns about the German market. For more context on how our portfolio is performing across different regions, including Germany, we’ve shared a detailed video update here: https://youtu.be/4jNNcX8nHb4?si=wylo4tAplK_QTrrg
Unloyal practises
Unloyal practises. In case you miss their email they charge you 10 euro for "inactive account". If I am lucky to get back my money from defaulted German loans I will never ever use this platform again!
August 3, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. The inactive account fee is applied only after 12 months without new investments, and we always notify investors beforehand with clear instructions on how to avoid it — either by reinvesting or withdrawing funds during the notice period.
We will continue our recovery efforts on all defaulted loans, including those in Germany, and to date more than €60 million has already been successfully recovered across markets. If you have questions about your account, our support team is available at info@estateguru.co.
Terrible
Terrible. Lost money. Money stuck in a loan for 4 years, they cannot repay it. And they are charging 10 € for my innactive account. How can I be active user if I don't get any money from it?
July 31, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand how frustrating it is to wait on recoveries. Please know that our recovery team continues to work actively, and over €60 million has already been successfully recovered. You can learn more about how we manage defaults here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
The inactivity fee only applies after 12 months without new investments, and we notify investors in advance with an option to avoid it. If you have questions about your account, feel free to reach out to us at info@estateguru.co
Defaulted Loans and Broken Promises
I’ve been on the platform since Covid. I’ve put in about £16k and withdrawn around £6k, including any earnings. Despite their repeated reassurances that “cases take time” and updates about collateral, over 30 of my loans have been in default and “in recovery” for more than two years. That means £10k of my capital is locked up in defaulted loans.
It’s also incredibly difficult to track updates. You have to open each individual loan and scroll through long, generic, copy-pasted messages.
If you’re considering where to invest your money, I’d strongly suggest looking elsewhere.
July 29, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand how disappointing it is to have a large part of your portfolio tied up in long-term recoveries. Please be assured that our team continues to work actively on all defaulted loans, and over €60 million has already been successfully recovered to date.
We’ve also made the decision to share updates only after significant milestones are reached, to protect the legal integrity of the process. For more details on how we handle recoveries, you can read here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
We value your input and are always working to improve both transparency and outcomes. If you’d like to discuss your portfolio further, our support team is happy to assist via info@estateguru.co
I don't like only the fact the we pay 3…
I don't like only the fact the we pay 3 EUR for a withdrawal from the platform. Overall I like the platform very much.
July 22, 2025
Reply from Estateguru
Thank you for your feedback – we're really glad to hear you enjoy the platform overall!
Regarding the €3 withdrawal fee, it helps cover the operational costs associated with processing payouts. We’ve chosen to keep this cost transparent rather than include it elsewhere.
If you have any questions or suggestions, feel free to reach out to us – we always appreciate investor input.
Shame, scam, total inability
I invested and utilized this platform, unfortunately for some years. NEVER put your money there. They have an approximately 27.45% default rate!!!! they do not do any concrete recovery process and they never update regarding the recovery process.
They have a fee for sales on secondary market 3% (they charge it to you even if you sell the quote to a lower price to the one paid to buy the quote), fee to withdrawal money too of 3EUR, inactivity fee minimum 10EUR for month and others too! They are not able to work seriously, they do not know what they do, they are not able to select the project developers, they select companies with ridiculous financial and economical balances that none would ever borrow money to them, but estateguru does. Stay away from this scam. Their defaults last more than 4 years with no updates.
They continuously publish projects with no filter and sense, just to gain more commissions possible.
What make us very angry is that they spend lot of money advertising on youtube! For that they have the money.
I reported them to the EU, I hope they will close and the EU authorities will freeze all their asset and patrimony of each one working there (last option very hard) and ban all these people to do any commercial activities.
July 1, 2025
Unprompted review
Reply from Estateguru
Thank you for your detailed feedback. We’re sorry to hear about your experience and take your concerns seriously.
Please know that our recovery efforts are ongoing across all markets, and over €60 million has already been successfully recovered to date. We share updates only after key milestones have been reached to avoid compromising enforcement — especially in cases involving uncooperative borrowers. You can read more about our approach here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru
Regarding fees: the €3 withdrawal fee helps cover operational costs for payouts, and the inactivity fee is only applied after 12 months without any new investments. Investors are always notified in advance with the option to avoid it by reinvesting or withdrawing their funds.
If you’d like to discuss your account further, feel free to reach out to us at info@estateguru.co — we’re happy to help.
Estateguru business did work before…
Estateguru business did work before covid. After that time nothing went smooth. The repayments are delayed > 3 years or more. I have stopped all my investments and wait to get some back. But still only very limited repayments are done and the interesst are definitely lost. LTV < 50% is no protection if EstateGuru need more than 3 years to sell loan securities...
Additional they increased fees... I have not accept the new AGBs, so no additional fees for me... I wait only for repayments and close my account afterwards...
July 19, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your frustration with the delays, especially for older defaults. Please be assured that our recovery team continues to work actively across all jurisdictions, and more than €60 million has already been successfully recovered. You can read more about our process here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru
It’s true that selling collateral and resolving cases can take longer in some markets, particularly when borrowers are uncooperative or legal proceedings are slow. However, efforts are ongoing and each recovered case helps us improve the process further.
We appreciate you staying with us during this time and hope to bring more positive outcomes to your portfolio soon.
investments on recovery
Still a big part of my investments on recovery, therefore not active…
Hope situation will improve.
July 17, 2025
Reply from Estateguru
Thank you for your feedback. We understand the frustration when a part of your portfolio remains in recovery. Please know that our team continues to work actively on all defaulted loans, and to date, over €60 million has already been successfully recovered.
If you’d like to learn more about how we manage recovery cases, you can find an overview here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
We also hope to bring more positive developments your way soon. If you have any specific questions, feel free to reach out to us at info@estateguru.co
I am not satisfied and do not recommend.
As a professional with many years of experience in my field, I have always valued fairness and compliance with agreed terms. Unfortunately, my work with Estateguru did not meet these expectations. The company significantly delayed the payment of the amounts due and the payment was not made within the agreed deadline.
Such an attitude speaks of a lack of professionalism and responsibility.
Fairness is the basis of any successful partnership - something that was clearly lacking in this case.
June 13, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We're sorry to hear that your experience with Estateguru has not met your expectations, especially when it comes to timeliness and communication.
While we cannot comment on the specifics of your case here, we would be happy to look into the matter further if you reach out to our support team at info@estateguru.co. We remain committed to improving our processes and resolving issues in a transparent and responsible way.
ALL of my loans went unpaid for 4 years…
ALL of my loans went unpaid for 4 years so I had to sell them 75% off to get some of my money back, again, after 4 years without seeing a penny.
- RUN -
Reply: i already lost 75% of my money, 4 of 4 loans unpaid, just run, that's a 100% loss rate.
July 3, 2025
Unprompted review
Reply from Estateguru
We understand how frustrating it is when loans remain unpaid for an extended period. Recovery timelines can vary significantly depending on the jurisdiction and borrower cooperation, and unfortunately, some cases do take longer than anyone would like.
Our team continues to actively pursue recoveries, and over €55 million has already been successfully recovered across markets. You can find more about our approach here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
If you have any questions about your account, feel free to contact us at info@estateguru.co.
Estateguru fan
I have been with Estateguru since 2023. With current market fluctuations getting fixed returns is all that matters to me. Loans are thoroughly vetted and backed by 1st rank mortgage
July 2, 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your experience. It’s great to hear that fixed returns and strong collateral are valuable to you. We agree that first-rank mortgages and careful due diligence are essential in this market.
We appreciate your trust in Estateguru and look forward to continuing to support your investment journey!
Reply from Estateguru
Thank you for your feedback! We're glad to hear that you're enjoying the platform and the investment opportunities. We appreciate your support!
Majority of my invested loans are in…
Majority of my invested loans are in default around for few years.
July 1, 2025
Unprompted review
Reply from Estateguru
We understand how concerning it is when a part of your portfolio is in default. Please know that our recovery team continues to work actively across all cases, and over €55 million has already been successfully recovered to date.
If you’d like more insight into our recovery process, you can read about it here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
A real life example on how we manage problematic loans can be found here: https://estateguru.co/blog/a-real-life-example-how-we-manage-problematic-loans-in-the-best-interests-of-our-investors/
For any specific questions, feel free to contact us at info@estateguru.co
Unbelievable financial fraud
Unbelievable financial fraud
Why is the legal/financial system not intervening for clear fraud / poor financial business management?
They keep disproportionally raising fees one-sided (wouldn't be surprised if they are close to bankruptcy). Even inactive account fees? 50 bucks a month? Have they lost their mind?
In addition, they keep offering loans for which the borrower for example has 60 projects in recovery and 5 repaid; why would you even allow such scammers on your platform? Which low IQ CEO is leading this company?
June 23, 2025
Unprompted review
Reply from Estateguru
Thank you for taking the time to share your concerns. We understand how frustrating it can be when expectations around loan performance or fees are not met.
Estateguru remains a regulated crowdfunding service provider under the supervision of the Estonian Financial Supervision and Resolution Authority. Our financial operations, including fee structures, are aligned with regulatory requirements. The inactive account fee is applied only after 12 months of inactivity, with prior notification and clear instructions on how to avoid it.
Regarding borrower vetting, we continuously review and enhance our credit and risk assessment policies. You can view our historical performance data and recent developments on our statistics page: https://app.estateguru.co/statistics/
Horrible company
Horrible company. More than 50% loans in default.Very userunfriendly. They dare to count even penalty to their customers, if they do not want to invest in their suspicient loans. I have lost several thousands eur with them. Do not invest any single EUR there. Monthly inactive account fee of €10.00 is pure thievery, because how are you supposed to invest in a new loan when you're almost certain to default. My opinion is that the company is teetering on bankruptcy.
June 20, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. The inactive account fee is applied only after 12 months without any new investments, and we always notify investors in advance. During the notice period, you can either withdraw your funds free of charge or make a new investment to avoid the fee altogether.
This fee is part of our effort to comply with crowdfunding regulations, which require that investor accounts remain active and used for their intended purpose.
If you have any questions about your account, our support team is happy to assist at info@estateguru.co
Total scam
They started off quite well but after 40% of there loans defaulted in Germany and Finland it has been a clusterf... After 2 years of waiting I have lost hope in getting my money back since they just keep you in a bubble circle and no information gets out about the defaulted loans. They only advertise the success story and the so called promised 10-11% interest rate is actually 5% or less due all the defaulted loans.
In short out of 22 loans I have 19 are defaulted.
June 16, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your disappointment, especially when a large portion of your portfolio has been affected by defaults. Managing and recovering defaulted loans remains one of Estateguru’s key priorities, and to date, over €55 million has already been successfully recovered. Our team continues to actively work on all unresolved cases.
We’ve also made the decision to share updates only after key recovery milestones are reached. This is to protect investor interests, as disclosing strategies too early could benefit uncooperative borrowers. You can read more about our recovery process here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
We know how frustrating this situation can be, and your feedback is valuable as we work to improve both communication and results.
The worst investing platform!
The worst investing platform!
I’ve lost about 40% of my investments.
There’s no follow up on the loans in recovery process and if you decide not to invest anymore, the platform will eat money from your non paid back investments on a monthly basis after 12 months. CRAZY!
DO NOT FALL ON THIS TRAP!
June 10, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your concerns, especially when recoveries take longer than expected. Recovery timelines can vary depending on the jurisdiction, but our team continues to actively manage all defaulted loans, over €50 million has been successfully recovered to date.
We’ve chosen to share updates only after key milestones are reached. This is because revealing ongoing recovery strategies too early could harm investor interests — particularly in cases involving uncooperative or bad-faith borrowers who may use that information to delay enforcement.
Regarding the inactivity fee, it applies after 12 months of account inactivity. We notify investors in advance and explain how it can be avoided through a withdrawal or a new investment.
If you have further questions, feel free to contact our support team at info@estateguru.co.
Robbers
I tried years ago a little investment on this company, most of the projects went in default. I planned to recover the little as possible and exit, now they're threatening to charge my account 10 euro per month for being inactive, and what's worst is that the verification SMS code just after receiving their notice email doesn't work anymore, so I cannot log in to do any operation. They're clearly planning to rob customers - even very small investors like me - from their little earnings, which would never recoup what's lost anyway. This company must be pursued by lawyers with a collective action.
May 24, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We’re sorry to hear about your experience and the difficulties you've encountered. Our team continues to actively manage all defaulted loans, and over €50 million has already been successfully recovered to date.
Regarding the inactive account fee, this is only applied after 12 months without any new investments. Before the fee is charged, we always notify investors in advance and explain how to avoid it, either by making a withdrawal or a new investment during the notice period.
As for the login issue you mentioned, it sounds like a technical problem we’d be happy to help resolve. Please contact our support team at info@estateguru.co so we can assist you with accessing your account.
Very bad and now they ate charging 50…
Thanks for the reply, but why did this fee increase from 10 to 50 eur?
You backed it up saying according to our policy, your policy changes each time, so next time thia fee can be 100 eur and further 1000eur since it is your policy.
Also you mentioned withdrawing funds free or charge, i am always charged 3 eur for 1 withdrawal,why is that?
So lets say i have 10 eur in my account and i want to wait a bit to have more and with one go to withdraw them, bexause paying each time 3 eur is nonsence for such small amounts, but waiting is also not possible because you charge 50 eur, so what kind of scheme is this?
Very bad and now they ate charging 50 eur inactuve account fee. I just want to get money out without puting them in again and they charge 50 eur if they see money in your account, previously it was 10, now 50 eur.
May 30, 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your concerns regarding the inactive account fee. Investors are always informed in advance when this fee is scheduled, along with instructions on how to avoid it - by either withdrawing funds free of charge during the notice period or by making a new investment, which reactivates the account.
Your investor account functions as a special-purpose virtual IBAN. In line with crowdfunding regulations, funds in such accounts must be used for investment within a reasonable timeframe. Extended inactivity does not meet these requirements, which is why funds need to be either actively invested or withdrawn.
If you have any questions or would like to go over your account in more detail, our support team will be glad to assist at info@estateguru.co.
Scammer company with no customer…
Scammer company with no customer support, only auto replies. 3 Years passed already and nothing is done with defaulted loans. Do not put money there and avoid !
All defaulted loans with nothing done:
#7781 Bridge loan - 5.stage
#9326 Development loan - 18.stage
#7229 Development loan - 28.stage
#2357 Development loan - 45.stage
#8958 Development loan - 25.stage
#1170 Development loan - 3.stage
#0446 Bridge loan - 1.stage
May 27, 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your feedback. We understand that delayed projects can be frustrating, and we truly appreciate your patience. Our dedicated team has extensive experience in managing defaulted loans, although in some jurisdictions the recovery process can take longer due to local legal complexities.
If you're interested in learning more about how we handle such cases, we’ve outlined our approach in detail here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
Should you have any specific concerns that remain unresolved, our customer support team is always available and happy to assist.
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