After 3 years in default..I still have no idea when I'm going to get my money back. It was supposed to be an asset backed investment. And the most dissapointing thing is the lack of communication here... See more
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Review summary
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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
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 Invested: €13,000 Withdrawn after ~3 years: €11,300 Still in default for 3 years: €1,700 After three years my result is –13%, assuming the defaul...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
Joining the voice of disappointed / slightly scamed group of people who invested in Estateguru. What is happening: all loans I have invested in are In Recovery for 3 years now - they are unable to rec... 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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This company invites their customers to review, whether positive or negative
Replied to 88% of negative reviews
Typically replies within 1 week
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Default loans never being repaid, no customer support.
This is an updated review. I wrote a review a year ago, and would like to update it. I invested 6,000 euro in very low risk loans, so far 6,300 has been paid back since 2018. I have 700+ euro in defaulted loans and at this point I will not get it back. I have one loan in particular that I invested in June 2020. It defaulted. There have been no updates for 2 years about it. That's over a 5 year turnaround and the platform simply does not care. Keep your money away from this platform as you will get no support, minimal if any gains as they have become so unreliable. On top of this, they are brazen enough to launch their new Grow part of their platform with a promise of 7% returns. It would be great if they could organize their initial property loans part of their platform before insulting customers with launching new products. Do not invest.
8 October 2025
Unprompted review
Reply from Estateguru
We understand your disappointment with the recovery timelines, especially when some loans have remained in default for several years. Please be assured that our recovery team continues to work actively on all such cases, and so far, more than €62 million has been recovered from problematic loans.
If you’d like to learn more about how we manage recoveries and the steps involved in these processes, you can find a detailed overview here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
If you wish to discuss your portfolio in more detail, our customer support team is available at info@estateguru.co
Defaulted loans
40% of my investment went in default. Already waiting for resolution for 3 years, no progress by so far. There are better ways to lose money. Don't let Estateguru to lose your money on poor loan selection. Highly not recommended.
7 October 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand how disappointing it is when defaults affect a significant part of your portfolio. Please be assured that our recovery team continues to work on all such cases, and every month brings new progress — over €62 million has already been recovered for investors.
If you’d like to learn more about how we handle recoveries and defaulted loans, you can read our detailed overview here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
If you have specific questions about your portfolio or the status of particular loans, please contact our customer support team at info@estateguru.co, and we’ll be happy to assist.
Reply from Estateguru
Thank you for your kind words! We're really happy to hear that your experiences with Estateguru have been consistently positive.
Thieves
Thieves, just when I wanted to withdraw the fund invested they claimed of some management fees and robbed 30 euros over short time.
Also, to mention the lack of clarity and fair business dealings and practices!
5 October 2025
Unprompted review
Reply from Estateguru
We’re sorry to hear about your disappointment regarding the deducted fee. As outlined in our User Terms and Price List, certain service and management fees may apply — for example, withdrawal or inactive account fees. These are always communicated in advance and published openly on our website to ensure transparency.
If you’d like more information, please contact us at support@estateguru.co
dont invest
dont invest! loans are rarely pay back and then they charge high commisions when you want to take back your funds
3 October 2025
Unprompted review
Reply from Estateguru
We’re sorry to hear that you’ve had a negative impression of the platform. Over the years, more than €900 million in loans have been funded through Estateguru, and investors have received over €94 million in interest payments in addition to their principal.
If you’d like us to review the details of your portfolio or clarify any specific cases, please reach out to our support team at info@estateguru.co
Catastrophic
After there were excessive problems with defaulted loans, which still have a default rate of 70% from around 2023 with no prospect of timely collection and recovery of the money, Estateguru introduced several bad measures to squeeze money out of users and punish those who left by squeezing even more money out of them. After failing themselves, selecting poor loans and being unable to push ahead with recoveries, they are now punishing their customers with fees for the few loans that are still active, withdrawal penalties, penalties for being inactive for too long and not continuing to invest, and just waiting for their money to be withdrawn... extremely bad and not recommended. With its greed, Estateguru is digging its own grave.
30 September 2025
Reply from Estateguru
Thank you for sharing your thoughts. We can assure you, resolving loans in recovery remains a priority for us, and more than €62 million has already been brought back to investors. You can also see an overview of portfolio health and recovery progress in our latest half-year video update: https://youtu.be/4jNNcX8nHb4?si=wylo4tAplK_QTrrg
On the topic of fees, withdrawals involve operational costs, which is why a transaction fee applies, and the inactivity fee only comes into effect after 12 months without new investments. Investors are always notified in advance with ways to avoid it, either by reinvesting or withdrawing funds.
If you’d like us to look more closely at your account, our support team is ready to assist at info@estateguru.co
Caution: investor trap
I've been waiting for a refund for over 5 years.
1 October 2025
Unprompted review
Reply from Estateguru
We understand how frustrating long recoveries can be. Please know that our team continues to work on all defaulted loans.
Inactivity fee
30 September 2025
Reply from Estateguru
We understand that the inactivity fee may feel unpleasant, but it is only applied after 12 months without new investments. Before it takes effect, we always send a notification with clear guidance on how to avoid it — either by reinvesting or withdrawing funds during the notice period.
You can not get my money back in a…
You can not get my money back in a default (the loans are not repaid as you know) and you charging me 10Euro per month because I stopped investing in that condition.
30 September 2025
Reply from Estateguru
We understand your concern, our recovery team continues to work on defaulted loans, with over €62 million already recovered so far. Regarding the inactivity fee, it is only applied after 12 months without new investments, and we always provide advance notice with clear instructions on how it can be avoided by either reinvesting or withdrawing funds.
Reply from Estateguru
Thank you for your kind feedback! We’re glad to hear that your experience with us has been positive and that we’ve met your expectations.
Not an investor-friendly portal
Not an investor-friendly portal, money is scattered around, overdue loans are not handled, and the unprofessional management of the portal is placed on the investors’ shoulders through fees. Stay away!
30 September 2025
Reply from Estateguru
Thank you for your feedback. We know delays and defaults can be frustrating, which is why we continue to dedicate significant resources each year to recoveries. Regarding fees, we always communicate them transparently in advance, along with clear instructions on how they can be avoided where possible.
Shady scam platform, stay away
It is a kind of scam platform that you should avoid at all cost. Shady borrowers with the knowledge of the platform will take your money, you will wait for recovery until the end of the world. And when you are waiting Estateguru will take any money you have with inactivation fees, hidden fees and many other tricks. Just stay away.
30 September 2025
Reply from Estateguru
Thank you for your feedback. Every borrower on our platform undergoes a detailed screening process before their loan is listed. We also want to assure you that our recovery team is actively working on all defaulted loans, with over €62 million already successfully recovered for investors.
Regarding fees, we do our best to communicate them transparently in advance, together with clear instructions on how they can be avoided.
If you have any specific questions about your account, our customer support team is available at info@estateguru.co
The forever recovery of defaulted loans
8 out of 15 loans are in default and are being recovered for over 3 years now. The response from them is always the same (as it is the same under the reviews here. 60 mil recovered, I have not seen a single euro from these).
I consider myself lucky to have only lost about 55% of the money I "invested" with them because I always check my email and withdrew everything (left) before they started charging fees. Stay well clear, it may have started with good intentions, but it is now nothing but a scam.
edit: As you can see from the obviously copy-pasted answer.... As if to prove my point...
29 September 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Please be assured that our recovery team continues to work actively on all defaulted loans. Every month brings additional resolutions, and these are reflected in our public communications and monthly performance updates.
If you would like to review the details of your own portfolio, our customer support team is available at info@estateguru.co
Please don't spend your hard earned…
Please don't spend your hard earned money on this business. If you have already put into estateguru and their defaulting loans, best to forget about it. Even if you get something back, you will realize its all taken as fines by estateguru due to no account activity if you dont log in asap and withdraw(why would anyone even check the account when there is nothing but default there)
24 September 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Our recovery team continues to work actively on all defaulted loans, and we continuously resolve cases and return resources to investors. To date, more than €62 million has already been recovered.
Regarding the inactivity fee, it only applies after 12 months without new investments, and investors are always notified in advance with clear guidance on how it can be avoided — either by reinvesting or withdrawing funds.
If you would like to review your account in more detail, please contact our customer support team at info@estateguru.co
Reply from Estateguru
Hello, thank you for your feedback. We’re sorry to hear about your concerns regarding defaults and fees. If you have specific questions about your portfolio, our team will be happy to assist — please contact us at info@estateguru.co
Inactivity fee policy is unthical
Their 'inactivity fee' policy is an unethical way to charge users for closing their account. Your account is deemed inactive (and charged) after 11 months of no 'new' investments. Most contracts are 1 year, so they are not even waiting for the average contract to expire before taking money that is not theirs. It gets worse, many contracts are years long and bad loans will extend that time. This policy effectively assigns all your remaining money to estateguru. They say you can wait for the warning and then withdraw all your money every month so the balance is 0 euros, but of course there is a fee for that too. Also, why should the customer have to do this every month for months (possibly years) while they wait for the last few loans and reclaimed money to arrive in their account.
In short, this policy aims to claim your remaining money when you want to liquidate. This is an extremely unethical practice, and my reason for the 1-star review.
23 September 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your concerns about the inactivity fee. Please note that it is only applied after 12 months without new investments, and before that, investors always receive a notification with clear instructions on how to avoid it — either by reinvesting or withdrawing funds during the notice period. The reason for this fee is that maintaining inactive accounts is a cost for us.
If you would like to go over your account in detail, our support team is available at info@estateguru.co
A joke of p2p site
A joke of p2p site. bad oferings, a lot of defaults, and a hell lot of taxes. inactivity tax, widrawal tax. stay away.
6 September 2025
Unprompted review
Don't invest here
Don't invest here. I have 74 loans portfolio in Estateguru and all in default. Looks like they don't do anything to get borrowers to pay back.
4 September 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Please be assured that our recovery team is actively working on all cases, and over €60 million has already been successfully recovered to date.
For a broader overview of portfolio health and recovery efforts across markets, you can watch our latest half-year update here: https://youtu.be/4jNNcX8nHb4?si=wylo4tAplK_QTrrg
Runaway from this!
Runaway! Made a test with 250€! Lost it all! Even an inactive fee was charged! When they lost my money from investments and they want me to put more money lool
31 August 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your feedback. Our recovery team continues to work on all such cases, and so far, more than €60 million has already been recovered for investors.
As for the inactivity fee, this is applied only after 12 months without any new investments. Investors are informed in advance and given clear options to avoid the fee, either by withdrawing funds or reinvesting.
For more insight into portfolio performance and recoveries across markets, we invite you to watch our most recent half-year update: https://youtu.be/4jNNcX8nHb4?si=wylo4tAplK_QTrrg
Please don't invest in Estateguru
Please don't invest in Estateguru. Very unserious business they do. You don't have any transparency, what happened with defaulted loans. Support giving only the same reply it takes time.
But worst which applied to me recently since i haven't checked in a few months, loan got partly recovered, got some money back, but since it has been dormant, you get charged 50€ for being dormant.
Absolutely ridiculous. Avoid by all means.
22 August 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Our recovery team continues to work actively on all cases, with more than €60 million already successfully recovered. You can learn more in our latest half-year update here: https://youtu.be/4jNNcX8nHb4?si=wylo4tAplK_QTrrg
On fees — the withdrawal fee reflects the cost of our payment systems. Rather than hiding these costs elsewhere, we’ve chosen to keep them transparent to ensure smooth operations. The inactivity fee is applied only after 12 months without new investments, and investors are always notified in advance with clear instructions on how to avoid it.
If you’d like support with your account, please contact us at info@estateguru.co
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