Worst experience ever. The inactivity fee for accounts which have large amount of recovering loans for several years, is the last experience from this great company. So imagine that on your 1... See more
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
I have been trying to get my money back for some time now, but it is simply impossible. You are required to verify your bank account for withdrawals, but my verification keeps getting rejected over an... See more
Company replied
Very bad experience with them. There a lot of frozen projects. On top of this they started to charge me with 50 eur per month of neactivity. I just wait to receive some money to widraw. Two years awai... See more
Don't invest your money here. After introducing "account inactivity fees" (what is absolutely crazy considering I still have 3000 euros in loans there, just not stopped investing more), 3 euros fees... 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
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 88% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
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.
3 July 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
2 July 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.
1 July 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?
23 June 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.
20 June 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.
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.
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.