About Us

Our Vision

We believe that great projects deserve to be backed and that this backing should be fair, transparent and mutually beneficial to the investor and the borrower. Our team of seasoned real estate professionals are there to support our borrowers every step of the way while ensuring that we choose only the best, most secure projects for our investors.

We all have a real estate guru within, that part of us that can identify a great project and a promising investment opportunity when we see it. This guru knows that property is a great investment and good property investment opportunities can be found in every market.

But until now, most of us had to be content with dreaming. Without millions in the bank, you simply had no opportunity to invest in property beyond your own house or apartment. We set about changing this. We believe that everyone should be allowed to develop their inner guru, regardless of where they’re from or how wealthy they already are, which is why we facilitate investments from as little as €50.

What they say

Lauri Kettunen CEO, Co-Founder of North Nest Ventures OY - "We chose Estateguru because of their flexibility and their willingness to see opportunities in our project while many traditional financers didn´t."

Compared to other credit providers, they were cost effective which is of course very important.

EstateGuru is the leading European marketplace for short-term, property-backed loans

In 2013 a group of real estate and fintech experts based in Tallinn, Estonia had a bright idea. What if they could break down the barriers which ensured that investing in secured property loans was a luxury only available to the wealthy and well-connected? And what if they could help entrepreneurs and visionaries in the property development business who struggle with the ‘one-size-fits all’ solutions offered by banks and major financial institutions at the same time? Thus Estateguru was born.

10.87% Average return

Today, more than half a decade later, we have facilitated more than 4,704 loans worth in excess of €668,444,715. Over 152,880 investors, from all walks of life and hailing from 109 countries, have earned average returns of 10.87% by backing property loans in Estonia, Latvia, Lithuania, Spain, Germany, Sweden and Finland with the UK , Ireland and Portugal to follow soon.

Due to the large and diversified investor base, with millions of EUR available to lend, our borrowers can get the money they need to realise their plans quickly, on their own terms, and investors can access pre-vetted and diversified, cross-border investment opportunities with a low barrier to entry and total transparency. Join us on our journey of building the bridges in property finance world.

152880 Investors

Meet our people

We’re incredibly proud of the team we’ve built to support our investors and borrowers. We are all passionate about growth, both of the business and on a personal level. At Estateguru you will meet people who are eager to learn something new every day. We celebrate our personal values with the same passion as our business achievements. Our success lies in our people and by working together we know that there are no limits to what we can achieve.

Estateguru Management


Co-founder and Chairman




Partner, CFO


Head of Risk Innovations and Risk Projects

Andres Luts

Chief Risk Officer




Head of Investor Relations

Mihhail Onohhov

Head of Lending

Judith Tan

Head of Capital Markets

Elina Varendi

Head of Legal and Compliance

Supervisory Board


Chairman of Supervisory Board

Gabriella Kindert

Independent Member of Supervisory Board


Member of Supervisory Board

Country Managers

Tero Suvanto

Country Manager - Finland

Björn Kombächer

Country Manager - Germany

Aleksandrs Mežapuķe

Country Manager - Latvia

ARTŪRAS Konusevičius

Country Manager - Lithuania

Ross Gandy

Managing Director of Estateguru Marketplace Ltd

Our People

We’re incredibly proud of the team we’ve built to support our investors and borrowers. Brimming with knowledge about the property business and enthusiastic about helping our users get the best deals they can, we’re here to assist you at every turn.

With offices in four locations and more in the planning phase, we value local knowledge and expertise incredibly highly as we endeavour to create Europe’s greatest cross-border loan marketplace.

Want to join?

Join Estateguru Team

We’re always looking for talented people!

See available positions