Foreign investment across Europe is declining, while the Baltics are showing a different trend. According to EY’s latest Baltic Attractiveness Survey, 69% of investors expect the region to become more attractive over the next three years. 64% of respondents plan to establish or expand their operations in the Baltics within the next year.
This matters because foreign capital supports economic activity and helps create a stronger environment for quality real estate development.
Growing interest from international investors also strengthens confidence among local entrepreneurs. As the Baltics become more attractive to outside investors, local companies are more likely to invest, expand and make longer-term plans. Foreign capital and local entrepreneurship can therefore reinforce each other.
Daniil Aal, CEO of Estateguru
Real estate backed loan origination
- Estonia: €1.8M
- Lithuania: €1.66M
- Latvia: €1.36M
In August, €4.82M in new loans was funded across the Baltics. Estonian projects accounted for the largest share.
New loans issued over the past six months:
Repayments and recoveries
A total of €6.82M was paid out to investors. Of this, €4.34M represented scheduled principal repayments, €1.92M was recovered from non-performing loans, and €0.56M was paid to investors as earnings.
Repayments and investor earnings over the past six months (EUR million):
Loan portfolio summary of recent years
Since 2023, when we received our pan-European licence, €285.1M in loans has been issued through the platform. By the end of August, €215.4M (75.6%) had been repaid to investors, while €59.4M (20.8%) was performing according to schedule. In total, 96.4% of loans issued during this period have either been repaid or are performing.
Only €10.1M (3.6%) from this period has been classified as non-performing, and we are actively working on its recovery.
New payment service provider
Since August, payments on the Estateguru platform have been processed through AS LHV Pank. For investors, this means significantly faster deposits and withdrawals, with payments now processed almost instantly.
As part of the transition, each investor now has new payment details and a new virtual IBAN. These are available directly in the Estateguru portal and should be used for all future transfers. Please also update any saved payment details or recurring transfers.
