Estateguru Reviews 

1,548
TrustScore 1.5 out of 5

1.5

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Rated 1 out of 5 stars

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

Rated 1 out of 5 stars

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

Rated 1 out of 5 stars

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

Rated 1 out of 5 stars

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

  1. Investment Service
  2. Non-Bank Financial Service

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

1.5

Bad

TrustScore 1.5 out of 5

2K reviews

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Replied to 88% of negative reviews

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1.5

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(1,548)

244 reviews in the last 12 months

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Rated 1 out of 5 stars

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
Estateguru logo

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.

Rated 1 out of 5 stars

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
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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.

Rated 1 out of 5 stars

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
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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.

Rated 1 out of 5 stars

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
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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.

Rated 1 out of 5 stars

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
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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.

Rated 1 out of 5 stars

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
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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.

Rated 1 out of 5 stars

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
Rated 1 out of 5 stars

This Scam must be exposed

Thousands of dollars to recover after years and when they finally recover 150 euros they charge me 50 of those euros as fee. This scam must be exposed.

16 April 2025
Unprompted review
Estateguru logo

Reply from Estateguru

Thank you for sharing your concern. It looks like your account was subject to the inactive account fee, which applies to accounts that have been inactive for more than two years. Before applying the fee, we send a notification email explaining the options to avoid it - either by withdrawing your funds free of charge or by making an investment to reactivate the account. If you have any questions, our customer support team will be happy to assist you at info@estateguru.co.

Rated 1 out of 5 stars

Horrible

Horrible, they dont return my money back and aditional they are taking 50 euro per month because I am not investing... Of course not! you are one of my worst decision to invest...

1 April 2025
Unprompted review
Estateguru logo

Reply from Estateguru

Thank you for your feedback. To clarify, it seems your account was subject to the inactive account fee, which is applied to accounts that have been inactive for more than two years. Before the fee is charged, we always send a notification email explaining the options to avoid it - either by making a withdrawal free of charge or by placing a new investment, which would remove the inactive status.

Rated 1 out of 5 stars

Scam platform

Scam platform - stay away, stay away, they put your money in defaulted loans and in case anything is recovered they charge you 50 euros inactivity fee, essentially all invested money is gone.

3 April 2025
Unprompted review
Estateguru logo

Reply from Estateguru

Thank you for your feedback. We would like to clarify a few points. All investment decisions are made directly by investors or through their Auto Invest settings. Estateguru does not provide portfolio management services or make investment choices on behalf of investors.

Regarding the fee, your investor account is a special-purpose virtual IBAN account. Regulations in the crowdfunding sector require that funds in such accounts are actively used for investment within a reasonable timeframe. Holding funds without activity over an extended period goes against these requirements. This is why, to ensure compliance, accounts must either have active investments or funds should be withdrawn.

In the notification email about the fee, we also explain the options to avoid it by either withdrawing your funds free of charge or placing a new investment, which will remove the inactive status.

Rated 1 out of 5 stars

Payout isn't processed for months

I have worked more than 4 months on having my IPAN approved for returning my uninvested funds. I submitted documentation for 4 different accounts, some repeated, but after some days my documentation is just deleted without any reason.

29 March 2025
Unprompted review
Estateguru logo

Reply from Estateguru

Thank you for bringing this to our attention. IBAN verification is handled by our payment service provider, and we are sorry to hear about the difficulties you have experienced. If you contact us at info@estateguru.co, our team will be happy to assist you and check what might be causing the issue.

Rated 1 out of 5 stars

scam. run away

they will lock you money into a defalted loan and as soon as a partial repayment is made they will steal it from you as a forced inactivity fee.
stay away. SCAM

You lied in your answer. The account is inactive because I do not want to make new investments and I have money locked up in defaulted loans. So yes, it is still a SCAM

23 March 2025
Unprompted review
Estateguru logo

Reply from Estateguru

Thank you for sharing your concern. It seems your account was subject to the inactive account fee, which applies to accounts that have been inactive for more than two years. Before applying the fee, we always send a notification email explaining that you can either withdraw your funds free of charge or make a new investment to remove the inactive status.

If you have any questions about the fee or would like us to review your case, our customer support team is available at info@estateguru.co.

Rated 1 out of 5 stars

Highly subpar loan underwriting, predatory business practices

Most of the German portfolio of the platform went into default. I have long stopped investing but the platform still trying to keeps ripping me off on partial recoveries of defaulted loans by (a) charging me up to 50 EUR/month for idle balances on the platform and (b) continually increasing the withdrawal fees (which are unavoidable)

23 March 2025
Unprompted review
Estateguru logo

Reply from Estateguru

Thank you for your feedback. Your investor account is a special-purpose virtual IBAN account. Regulations in the crowdfunding sector require that funds in such accounts are used for investment within a reasonable timeframe. Keeping funds inactive for extended periods conflicts with these requirements. This is why accounts must either have active investments or funds should be withdrawn.

When we notify investors about the upcoming inactive account fee, we also inform them that they can withdraw their funds free of charge during the specified period.

Rated 1 out of 5 stars

Do not recommend!!!

I invested a small amount a few years ago, but since then, I haven't seen any interest or even the principal—just promises. Now they don't even pick up the phone anymore. I don't recommend it.

13 March 2025
Unprompted review
Rated 1 out of 5 stars

The site is totally dead

The site is totally dead (France 8 March 2025, 07:30) one week after the 'upgrade' to new 'pretty' web pages. No response to the email I sent last week requesting help finding pages with the new website. This is very worrying for a financial website; be very carefull.

8 March 2025
Unprompted review
Rated 1 out of 5 stars

Absolute scam

Absolute scam. Again, being charged a 50 EURO inactivity fee since I haven't invested with this bs platform for over 24 months. DESPITE all my loans on there being defaulted. Then they take a 3 euro withdrawal fee for any withdrawal, even though it's barely worth a few euro. So on this month, for example, I got paid back 5 euro and I either lose all 5 due to the inactivity fee, or I lose 60% of it due to the withdrawal fee. Complete scam.

4 March 2025
Unprompted review
Rated 1 out of 5 stars

Estateguru is a robbery - run away

Estateguru is a robbery, run away from them. Most loans are in recovery, particularly German loans, and for a very long time (think years). On top of that, they charge you 3€ for withdrawals and if you do not withdraw everything or invest, then they charge you 10€ per month for inactivity!! Neither of those charges existed when I invested my money. So tomorrow they could be even higher, if they feel like!! Wonderful business... for them!!!

4 March 2025
Unprompted review

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