Estateguru Reviews 

Hello
Everything works well when Borrowers fulfill their obligations.

Im still waiting for my money from two defaulted german loans, from 2022 and 2023, and one from lithuania which defaulted in 2023.
Appart from that nothing else.

Positive side: easy platform. Detailed loans

What I like in the platform:
- Ease of use.
- Offers available.
- Above inflation returns.

What I dislike in the platform:
- Yields have been significantly decreasing in the platform over the years (nowadays it's very rare to have an offer with 10% + yield without acquiring a significant amount of a loan).
- If you were unlucky to buy loans from Germany, it's very likely you won't get your money back.
- Few to almost no communication, or very generic communication about delayed / defaulted loans.
- With current interest rates in the platform, EG Grow option is almost as good as the standard loans option, with less risk.
- Other P2P companies have nowadays better risk / return rate.

Overall: A few years ago, it was a very compelling option to invest your money on property backed assets. Nowadays, it's only good if you use the EG Grow option (albeit interest rates are in the low side). There are better P2P options elsewhere for investing with better risk / return rate.

Note: 2.5 / 5

I invested €5,000 in Estateguru project #5642, Finland, LTV 50%. After the recovery process, I received €948 back, resulting in a loss of €4,052. This was a disappointing experience and shows that even secured investments can carry significant risk.

It's a scam - they claim your account is inactive and charge inactivity fee even though you withdrawed money as instructed

Dear Estateguru Team,
I would like to express my profound disappointment regarding your recent update on the Development loan #7699 - 1.stage (Finland). Calling a situation where I lost more than half of my invested capital a "successful recovery" is an insult to my intelligence as an investor. There is absolutely nothing successful about this outcome.

I have been investing with you for six years, and my experience has been a complete fiasco. Despite portfolio diversification, my 6-year return stands at a laughable 0.93%. I haven't even recovered my initial principal yet. Your ventures into the German and Finnish markets border on gross incompetence – do you even perform basic background checks on these borrowers?

Furthermore, your fee structure is predatory. Charging investors for "successful loan repayments" (which should be the bare minimum standard) and a €3 withdrawal fee is unacceptable, especially given your abysmal performance. Instead of squeezing your existing investors, you should focus on replacing the incompetent staff responsible for risk assessment and due diligence.

Also, replying to a long-term investor with a bot is a complete mockery and only confirms your lack of respect for your clients. It is clear that nobody even bothers to read emails. This automated approach, combined with your abysmal financial results, is exactly why your reputation is currently in freefall.

I am losing all trust in your ability to manage my investments.

P.S. Please spare me another vague, automated response - your actions speak louder than words (... as do your reviews).

I like the app in general, but there are number of features that do not function or whose proper function in not built intuitivly, so I haven't learned to use them. For one - sometomes it is difficult to find my investment using loan number, it sometimes does not find the loan, other - if I manage to find the loan by search function, - it does not allow me to see payment schedule, third - if I want to arrange my loans by incomming payments, the function does not allow me to see my investments in this order. App also often do not show all my investments/loans, so I have spend time looking for some particular loans. Last but not least - I asked a question about taxes to privatly addressed e-mail and noone ever replied to me, so custumer service is somewhat underwelming. I am sorry for being this critical, but 3 is all I can give at this point unless the issues and user experience do not change for better.

Qualified projects. Easy-to-use platform.

Thousands in euros in defaulted loans in Germany since 2022. Communication on the matter is very very sparse

Stay away!

After investing here for many years the company just doesn't care about investors at all, especially the management attitude is to avoid the issues and try to hide the problems under the positive talk.

few reasons:

- failure of risk management regarding German loan portfolios, caused massive losses to many investors, including me.
- inadequate AUM fee. I still have to pay that wonderful fee even if I keep seeing my principal write offs every month, why?
- poor returns, the fact is, my returns for the last year are negative, and I keep loosing money every month due to overdue loans
- the company doesn't respond to my questions, I am still waiting to reply after a month since I send you an email, where is that?

I started investing in EstateGuru about five years ago. After several loans defaulted, I stopped investing in the platform.

I've had a couple of loans in default for over two years now, and when they repaid the remaining amount, they applied an outrageous €50 inactivity fee (the account is inactive because of the defaults; otherwise, I wouldn't have had an account years ago) and another €3 withdrawal fee.

IMO, what clearly confirms to me that this is a company that has given up and is only trying to scam its clients out of their money is the recently added €50 fee. No bank or normal platform charges such a high fee; it's simply a low and fraudulent practice. I'm amazed they haven't been taken to court yet.

Many failing loans, even though they are promised over-secured (which is misleading/wrong), then you‘re waiting for years while the „in-activity fee“ is eating all the money that’s left.

It's handled like a scam:
- several of the loans got bankrupt or its getting several years of reimbursement, altought the theoretical protection (collaterals/etc..). So the company just didn't have enough expertise in the sector, or it's a half scam
- when you finally get some money back from all these "in recovery" loan, you have to withdraw them ASAP, otherwise you pay a 10€/month fees
- but recently they've introduced a fee for eachwithdraw. This fee was NOT declared since the beginning, they've just added it later, when money was locked into loans

The enrollment process was painfully slow and the customer support both uninformed and unhelpful. When I finally figured out the problem that was stopping me and got past it, the actual investing process was pretty good.
However, many of the loans didn't work out and wound up in recovery, and while I don't blame Estateguru for a recession, they are the ones that are screening the offers.
I invested about 60,000 euros in various loans, none more than 2,000 euros when Estateguru informed me that they didn't want anymore US customers and my account was suspended. However, they didn't pay off any existing loans, I was going to have to wait for them.
At first I was able to transfer any cash that showed up when a loan was repaid via the website. But then they changed the website to disable that feature for suspended accounts. Now I have to go through customer service via email to withdraw my money. But the bigger problem is the money not showing up because the loans are mostly defaulted.
It's been over two years now and I'm still trying to escape. Of the 60,000 euros, my account still has 28,000 euros, with 24,000 euros in recovery. By June I hope to get back the last 4,000 from performing loans (unless they default also, lol). No idea how long the others will take.
To be fair, they don't charge me any fees, but then I don't see how they can, since they have suspended my account and won't allow me to make any investments.
What is especially annoying is they keep sending me emails every week or so, that I have to update my KYC information. Why would I do that when all I want is out? In fact, I probably wouldn't have bothered with this review if they would just stop with those annoying emails.

Total scam. It takes forever to get your money back, and they charge a fee for idle accounts — which they introduced after I invested. When I complained, they just responded with legal jargon. They basically want you to keep pumping money in. The only reason to invest here is if you plan on investing thousands, and if you are investing thousands, you should invest elsewhere.

I have been with this company for 3 years, and every time I receive money from my investment, they deduct money as an idle account fee. STAY FAR AWAY FROM THIS COMPANY WITH YOUR MONEY. I hope this company goes bankrupt so it can stop scamming small investors.

Most investments pay out in small increments, meaning the payout itself might only be 15–20 USD. Then I am forced either to pay the processing fee for withdrawal or to leave the funds in my account until there is enough to withdraw. Assuming the withdrawal fee is 3 USD, and I only receive 20 EUR per month from my investment until it is fully paid, my actual return is reduced by 15%.

The alternative is that they charge your account an inactivity fee, which basically evaporates any investments.

Either way, investors lose. STAY AWAY FROM ESTATEGURU! LET THEM GO BANKRUPT!

Do not put your money here, they stupid 50 euro fee for unused account stolen twice my money once the recovered a load that was in default for ages and they did not send me the notification, scammers.

They send loan recovered after taking the 50 euro 😂

I invested on EstateGuru several years ago. Over time, multiple loans defaulted and repayments stopped — so naturally, I paused adding funds while waiting for recoveries. My account was never abandoned; I still held active defaulted loan positions on the platform.
In May 2024, a representative named Daniil contacted me warning about a dormancy fee if I didn't invest or top up. After that single message, I heard nothing for nearly two years.
Then on 5 March 2026, a partial recovery on Project #3235 finally came through — EUR 41.76 credited to my account. Nine days later, on 14 March 2026, the exact same amount was deducted as a "dormancy fee" (EUR 50/month for 24 months of inactivity), leaving my balance at exactly EUR 0.00.
Think about what that means: years of waiting for a defaulted loan to partially recover, only for the platform to pocket the proceeds the moment they arrived — with zero prior warning and zero time to react.
Calling an account "dormant" when it holds active defaulted loans in recovery is contradictory at best, predatory at worst. If this fee continues monthly, every future recovery on my remaining defaulted loans will be absorbed the same way, leaving me with nothing.
A formal complaint has been submitted. I would strongly caution any investor considering this platform to read the fine print on dormancy fees — especially if any of your loans are in default.

My experience with Estateguru: 4100 eur invested, 2700eur recovered. Recently, part of an investment was recovered and the rest was written off, a loss for me. From the amount received (about 80 euros), they retained 50 euros as a fee for inactivity. Even if they claim that I can withdraw the money before applying this fee, I didn't receive any notice of recovering these 80 euros. But I constantly receive emails about new opportunities to invest.... I sincerely do not recommend this platform

Avoid this platform by all means – funds stuck for years
I am extremely disappointed with my experience. What was initially presented as a relatively short-term investment (around 12 months) has turned into a situation where my funds have been tied up for over 5 years due to defaulted loans.
There has been a clear lack of transparency and communication regarding the status of these loans and the recovery process. Despite multiple requests, I have not received clear timelines or meaningful updates on when I can expect to recover my money.
What is most concerning is the absence of any clear compensation framework for such prolonged delays. As an investor, I accepted a certain level of risk, but not the complete lack of accountability and visibility I am currently facing.
Instead of protecting my funds from inflation, this investment has resulted in ongoing financial loss and uncertainty.
Based on my experience, I cannot recommend this platform to others. Investors should be aware of the risks related to long-term defaults and the lack of clear recovery timelines.