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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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 Invested: €13,000 Withdrawn after ~3 years: €11,300 Still in default for 3 years: €1,700 After three years my result is –13%, assuming the defaul...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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Replied to 88% of negative reviews
Typically replies within 1 week
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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.
16 June 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!
10 June 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.
24 May 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.
30 May 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
27 May 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.
Reliable partner!
24 May 2025
Unprompted review
Reply from Estateguru
Thank you for your kind words! We’re glad to hear that you see Estateguru as a reliable partner, it means a lot to us.
Yet no results from recovery processes
Estategury writes now that they are aiming to resolve defaults as efficiently as possible and based on their extensive experience, a realistic time horizon for achieving a solution is within 3 to 5 years. The loans in my portolio were defaulted 3-4 years ago and they are still expecting 3-5 years recovery time. It should not take that long to take over the collateral and sell it. Imo they are jus giving nonsense explanations - first it was a bad market situation and then difficult borrowers etc. At some point they commented that recovery processes in Estonia and in Lithuania are smooth and still even those cases don't proceed,
I guess it is normal to them to have 6-10 years recovery period - what aren't they telling??? It feels like a pull.
22 May 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your concern about defaults and want to assure you that Estateguru is actively working to recover all defaulted loans. So far, more than €50 million has been successfully recovered.
While we have a dedicated team with significant experience in handling defaults, in some jurisdictions and cases the recovery process can take longer than anyone would like.
Also, if there are specific concerns you feel haven't been addressed, please don't hesitate to reach out to our customer support team.
Stay away!
Three loans are still in recovery for more than 3 years.
I hear nothing.
13 May 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. We understand your concerns about the long recovery periods. In some cases, depending on the jurisdiction and case complexity, recoveries can indeed take longer than expected. We provide updates whenever there is progress, but if you'd like us to check these specific cases, please feel free to contact our support team at info@estateguru.co. You can also find more information about how we handle recoveries here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
DO NOT PUT YOUR MONEY HERE!!!
DO NOT PUT YOUR MONEY HERE YOU WILL LOOSE IT. I have invested since 2019. I invested small sums into different loans. My total return after 6 years is -40%. It will not be different for you, at first it seems legit until you understand that you will loose 100% of the money if the loan defaults. I have loans that are 5 years and still not recovered. Almost no loans get recovered and default rate is around 40%, just google it. Please don't give these people another dime.
Edit: they have replied and I will deconstruct how they try to fool you: "Since the platform's launch, only three loans have resulted in a full principal write-off". "write-off" is a term they created. In practice there are hundreds of loans that sit there for 5-6 years. Everyone knows there's no chance that they will get recovered. Out of that 100 loans they choose 3 to "write off" and then claim "only 3 loans resulted in write-off". Yes, all investments carry risk, but THERE'S NO WAY FOR THEM TO LEGALLY VALIDATE THE MORGAGE SECURITY!!! And this fact is hidden from you. So your loans are NOT secured in practice. Combine that with 50% default rate and you'll get my results: after 6 YEARS of investment I LOST 40% of the money.
10 May 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Please be assured that managing and resolving defaults remains one of our top priorities. Since the platform's launch, only three loans have resulted in a full principal write-off. Recovery work is ongoing for all defaulted loans, and we continue to pursue each case actively.
That said, all investments carry some level of risk, and in certain cases, those risks may materialize. We understand how disappointing this can be and remain committed to keeping investors informed and focused on recovering as much value as possible. You can also find more information about how we handle recoveries here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
3eur fee just to withdraw your own…
3eur fee just to withdraw your own money. absolute joke.
Update: no other platform charges their customers to access their own funds, yet EG throws up the answer below. Lol.
6 May 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback. Due to regulatory requirements, processing transactions does create some operational costs for Estateguru. To keep our pricing transparent, a share of these costs is applied to investors as a portal operator service fee, which is charged when a withdrawal is made. We understand this might not be the most convenient option for investors, and we're sorry for the inconvenience this has caused.
Very, very, very bad
I really regret having invested in Estateguru. Too many delayed projects + crazy high rates + terrible customer service = worst nightmare! Unfortunately I have nothing good to say about them. I DO NOT RECOMMEND them to anyone. Worst thing ever. Run away!!!
1 May 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your feedback. We fully understand how concerning delayed projects can be. While we have a dedicated team with significant experience in handling defaults, in some jurisdictions and cases the recovery process can take longer than anyone would like.
If you'd like to learn more about how we manage such situations, we’ve explained our approach in detail here: https://estateguru.co/blog/how-we-deal-with-defaults-at-estateguru/
Also, if there are specific concerns you feel haven't been addressed, please don't hesitate to reach out to our customer support team.
Happy with the experience.
Happy with the experience.
I started with Estateguru 2.5 years ago. The idea was to build a habit of investing and make my savings work a bit harder.
So far, it’s been a smooth experience. I prefer projects with regular interest payments, and checking my portfolio once a week has become part of my routine. I’ve made several deposits and withdrawals during this time, and everything has worked well. It takes a bit of time to move the money, but that’s not an issue for me.
I’ve contacted the company for help a few times. The communication has been helpful, and I always received the answers I needed.
The overviews of the loan options and the real estate developers behind the projects are really useful. The dashboards are clear and easy for me to understand.
One of the projects I invested in is actually being built near my apartment. I guess that adds an interesting personal touch to the whole investing experience.
1 May 2025
Reply from Estateguru
Thank you for taking the time to share your experience. It’s great to hear that Estateguru has become part of your regular investing routine and that both the platform and our support team have met your expectations.
Worst it is scam
29 April 2025
Unprompted review
Reply from Estateguru
We would be happy to clarify any business processes or questions that you might have to help you understand how Estateguru works. For any questions, please feel free to turn to info@estategru.co
If anyone wanna complain about…
If anyone wanna complain about Estateguru them write info AT Fi.ee
(Finance Inspection)
I also sued them. I belive they really Are scammers.
Also info AT politsei.ee (Police)
28 April 2025
Unprompted review
Reply from Estateguru
We’re sorry you feel this way. For any questions about our platform or products, please contact our customer support at info@estateguru.co and we'll explain as much as possible.
This company is a SCAM. Stay clear for your sake
Can anyone help, please? I started investing with this company in 2022 and initially, everything worked OK, but for the last 12 months it has been a real disaster. 40% of my investments (over 160K Euros) has been in a "recovery" status now for over 18 months (the entire German portfolio, 90% of the Finnish portfolio, over 30% of the Lithuanian portfolio.
It obviously should not take this long to recover a loan irrespective of which jurisdiction it is in.
I now believe this company is a complete scam (sitting on 67K Euros of my money).
I would appreciate anyone's help on how to go about reporting this company for fraud and also, if anyone knows, how to try and get my funds back (even if it is just the original amount with no interest gains)
25 April 2025
Unprompted review
Reply from Estateguru
We appreciate your feedback and apologise for the inconvenience. While we cannot comment on your personal portfolio (for that, we encourage you to contact us at info@estateguru.co), we can confirm that resolving defaults in certain jurisdictions can take significantly longer due to the local legal environment. For all loans with an "in recovery" status, the process is ongoing, and historically, only 0.02% of loans have been written off. Please rest assured that our team is actively working on all defaulted loans to recover them.
An online company that became a pirate…
An online company that became a pirate financial crowdfunding company, with poor administrative management and no emergency fund to reimburse repayments to a multitude of clients, small investors, to ensure payment to large investors. What they owe you goes into the pocket of a large investor. They justify this by sending you messages with extensions, and you don't know if the project was actually executed or not so you can get your investment back, since you can only trust this company's word because there's no way to obtain reliable information on the progress of the projects. My final advice: report them; you can do so online, to the Estonian government, and future investors shouldn't even think of putting their money there. Estateguru are professional scammers.
24 April 2025
Unprompted review
Reply from Estateguru
Thank you for taking the time to share your concerns. We would like to clarify a few points. Estateguru operates as a platform that facilitates loans between investors and borrowers. We do not hold loans on our own balance sheet, and a contingency fund has never been part of our business model. However, we manage the entire recovery process in case of default, all the way to either recovery or, if necessary, writing off the loan.
Estateguru is regulated and supervised by the Estonian Financial Supervision and Resolution Authority, which ensures equal treatment of all investors. It is not possible to favor one investor over another. Project extensions are allowed for up to six months, as outlined in the loan agreements. Investors can also independently verify project status by checking the registered mortgages in the official land registry.
It is a scam company
It is a scam company. Impossible to withdraw (submitted three times the documents to review, different set of papers as my IBAN proof does not seem official enough to them and the second IBAN has a title in front of my name and they can not match it…). They continue to charge me for not continuing to lock even more money with them. You will not earn with them, they will rip you off.
24 April 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your concern. Our team manually reviews IBAN verification documents that are not accepted automatically. The title or formatting of the document itself is not the deciding factor, but the document must meet certain validity requirements. To help you resolve this, please contact us at info@estateguru.co, and we will explain the issue with the documents you submitted and let you know exactly what we would need to verify your IBAN. Thank you for your cooperation.
After an endless circusAccount Closure Impossible: Glitch or Glorified Scam? of…
After an endless circus of back-and-forth with this company, closing my account remains as achievable as finding logic in their customer service. Their 'procedure'? A masterclass in absurdity: demand redundant actions, pretend to process them, then loop back to step one like a broken record. Is their system glitched, or is this intentional sabotage? At this point, it’s a valid question. Either way, they’ve earned the gold medal in bureaucratic clownery. Pro tip: avoid this joke of a company unless you enjoy self-inflicted headaches."
22 April 2025
Unprompted review
Reply from Estateguru
Thank you for your feedback and we are sorry to hear about your experience. Please rest assured that closing your account is possible. You can let us know your request by contacting us at info@estateguru.co, and our team will guide you through the process. Alternatively, you can follow the steps available in your portal settings.
EG is officially "dead site"
EG is officially "dead site", they only try lure new investors to never ending trap and pretend that high amount of defaulted loans never happen.
Some of my money (thousands of euro) are here stuck in default more than 4 years without progress, EG cheerfully post new articles and teach investors "how investing in estate work". A mockery for all investors.
I think that just find a EG "legally" way how to scam investors by offering unverified and dubious products, now it is additionally covered by a number of new terms and conditions that are intended to limit the possibility of enforcement by investors. So they literally want say investors "say goodbye to your invested money".
Fees and other things probably don't need to be mentioned.
AVOID THEM AT ALL COST and i hope EG will be will be investigated soon and all investors will get back the money that is due to them..
21 April 2025
Unprompted review
Reply from Estateguru
Thank you for sharing your thoughts. Please be assured that we take all feedback seriously. Regarding loan statistics, Estateguru has been among the few platforms that have consistently published the full loan book and performance data, which is available for all investors on our statistics page.
When entering into a loan agreement, investors provide the platform certain rights, including decisions related to recovery processes and enforcement. Our terms and conditions, along with our activities, are regulated and supervised by the Estonian Financial Supervision and Resolution Authority, which ensures that investor interests are protected.
Never make …
Never make any further payments o͏r͏ e͏l͏s͏e͏ t͏h͏e͏y͏ w͏i͏l͏l͏ t͏a͏k͏e͏ y͏o͏u͏r͏ m͏o͏n͏e͏y͏ f͏o͏r͏ v͏a͏n͏i͏s͏h͏i͏n͏g͏ a͏n͏d͏ o͏n͏ t͏o͏p͏ o͏f͏ i͏t͏ d͏e͏n͏y͏ y͏o͏u͏ a͏ w͏i͏t͏h͏d͏r͏a͏w͏a͏l͏ o͏p͏t͏i͏o͏n͏. I͏ w͏o͏u͏l͏d͏ n͏e͏v͏e͏r͏ h͏a͏v͏e͏ g͏o͏t͏t͏e͏n͏ m͏y͏ m͏o͏n͏e͏y͏ o͏u͏t͏ i͏f͏ n͏o͏t͏ f͏o͏r͏ s͏o͏te͏r͏ig͏u͏a͏r͏d͏ i͏n͏ t͏h͏e͏ p͏i͏c͏t͏u͏r͏e͏.
16 April 2025
Unprompted review
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