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EstateGuru offers real estate loans as an investment opportunity. Across Europe, investors can support the construction and maintenance of real estate projects while earning returns around 10%. The average Loan To Value ratio is 59%. EstateGuru is one of the most popular platforms for real estate investments among the p2p community. The platform until 2022 usually considered to be reliable and has proven to deliver returns. 🚩 However, the situation of defaulted loans is getting out of control! As of February, 2nd 2023, the default rate has reached 32.85%. There are more than 92 Mio € in recovery. Worst performing countries: 🇩🇪 Germany: 68,068,401€ (81.61%), 🇫🇮 Finland: 15,353,172€ (33.97%), 🇱🇹 Lithuania: 9,876,152€ (19.88%)

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Key Facts

Investment Structures

EstateGuru Direct (peer-to-peer)

Originator Types

EstateGuru Peers

Investing Into

EstateGuru Real Estate

HQ Country

EstateGuru country image Estonia


Interest Rates

EstateGuru 8.00% – 13.00%

Number of Originators

EstateGuru 0

Number of Countries

EstateGuru 7


EstateGuru EUR

Minimum Investment

EstateGuru 50 EUR


Average Net Return

EstateGuru 10.75%

Total Loans Funded

EstateGuru 810m EUR

Loans Outstanding

EstateGuru 257m EUR

Loans Current

EstateGuru 108m EUR

Loans Late

EstateGuru 6m EUR

Loans 1 To 15 Days Late

EstateGuru n/a

Loans 16 To 30 Days Late

EstateGuru n/a

Loans 31 To 60 Days Late

EstateGuru n/a

Loans 60 Plus Days Late

EstateGuru n/a

Loans Defaulted (In Recovery)

EstateGuru 133m EUR

Loans Defaulted (Recovered)

EstateGuru 11m EUR

Loans Defaulted (Written Off)

EstateGuru n/a


EstateGuru 161,393

Average Amount Per Investor

EstateGuru 6k EUR

Principal Returned

EstateGuru 553m EUR

Interest Earned

EstateGuru 80m EUR

Late Fees Earned

EstateGuru n/a

Loan Originators Statistics new

EstateGuru n/a




Available as: Automated Investment Strategies

In January 2022, EstateGuru replaced the former auto-Invest feature with automated investment strategies. Instead of requiring a minimum investment of 250€, the strategies work already with a minimum of 50€ per investment. There are two presets for the strategies: "conservative" and "balanced". They differ in the strength of collateral (Loan To Value), the selection of countries and other risk adjustments. For more advanced investors, EstateGuru now offers individual strategy configuration possiblities.



Instant Cash-Out


Available as: Instant Exit Program

In October 2021, EstateGuru launched the instant exit programm. Next to the secondary market, investors can quickly liquidate their loans by returning them to EstateGuru. BE WARNED that a 35% discount is due to be taken from EstateGuru. In almost every case it would make more sense to sell a loan via the secondary market. Latest at high discounts of 10-15% you should find a buyer.

Secondary Market



The secondary market is available but needs to be consented and activated by the investor. There is currently a survey running whether the secondary market should be made available also for auto-invest.

Risk & Security

Buyback Guarantee


Not available
Payment Guarantee


Not available
Rating System


Not available
Due Diligence



EstateGuru has a due diligence process for every loan project. Each loan is secured with a mortgage. In case, the borrower cannot pay back the loan, the property would be seized.

Skin in the Game


Not available


EstateGuru Property, Inventory

Maximum Loan To Value (LTV)

EstateGuru 75.00%

Sign Up Bonus

The investor gets 0,5% added to their account for investments during the first three months.

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