Invest with Estateguru and Win an iPhone 16 Pro!

Register on Estateguru and make at least one investment between January 2nd–31st, 2025.

The lucky winner will be chosen by lottery and announced on February 5, 2025. Start investing today!

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How Estateguru works?

Discover a platform for investing and financing through property-backed loans.

Invest with Estateguru and Win an iPhone 16 Pro!

Register on Estateguru using the referral code Welcome25 and make at least one investment between January 1–31, 2025.

The lucky winner will be chosen by lottery and announced on February 5, 2025. Start investing today!

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How Estateguru works?

Discover a platform for investing and financing through property-backed loans.

What we are proud of

9.39%

Average return

€101,094,263

Investor earnings

€964,084,588

Money lent

160,116

Investors

7,985

Funded loans

8

Countries

What we are proud of

Your guide to Estateguru

Sign up for free

Create your account in just a few minutes. It’s quick, simple, and entirely free to get started.

Explore investment opportunities

Discover a range of real estate-backed loans, carefully assessed according to our risk policy independent of Moody’s Analytics ratings.

Start investing Your way

Manual investing lets you pick loans directly, while Auto-Invest diversifies your portfolio automatically based on your chosen strategy or criteria.

Earn returns on Your investments

Watch your wealth grow effortlessly. As borrowers repay their loans, you’ll receive returns into your account. Use our intuitive dashboard to track your investments and manage your portfolio with ease.

Investor reviews

As an investor using Estateguru for two years, I can say my experience has been exceptional. The platform offers steady returns and is easy to navigate. I appreciate the thorough vetting of projects, which gives me confidence that my money is working efficiently. I highly recommend Estateguru for anyone wanting to diversify their investments!
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Marcos from Estonia

Joined Estateguru in 2021

As a beginner investor, real estate can feel overwhelming. Platforms like Estateguru simplify your first steps. Explore investment opportunities, from residential to commercial properties, all at your fingertips. Start small, learn, and build your portfolio. It's a great way to understand market dynamics while minimizing risks. Whether investing in a cozy apartment or a bustling office, Estateguru is your gateway to smart investments.
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Emily from Lithuania

Joined Estateguru in 2024

As a mid-level investor with EstateGuru for two years, I've seen how the platform transforms opportunities. The integration of investment options has helped me diversify effectively. I've learned to navigate the market confidently, using the insights and tools from EstateGuru. The community has connected me with like-minded investors, enriching my understanding of real estate.
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Karen from Latvia

Joined Estateguru in 2021

Trusted and regulated

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The activities of Estateguru are regulated and supervised by

Finantsinspektsioon (the Estonian Financial Supervision and Resolution Authority).

Estateguru is a licensed European crowdfunding service provider operating under an activity licence issued under decision of Finantsinspektsioon no. 4.1-1/48.

Media mentions

Estateguru investors received over 11 million euros in repayments in November

In November, Estateguru, a platform specializing in property-backed financing, credited over €11 million in repayments to its investors. A notable portion of this, more than €4.2 million, came from successfully recovered loans that had previously been delayed. Investors earned €1.01 million in interest income during the month.

New law expands options for Estonian investors to use investment accounts for crowdfunding

The legislative amendment passed in the Estonian Parliament last week will now allow the use of investment account funds for crowdfunding. This opens a new avenue for active investing, particularly for small investors, says Estateguru CEO Mihkel Stamm.

Free resources to get you started

Auto Invest – Investment Strategies User Guide

Investment Strategies is the next evolution of Auto Invest. We’ve removed the €250 minimum limit for advanced criteria, introduced three new investment strategies and wrapped it all up in a stylish new interface.

Moody’s Analytics Assessment System and Categories of Risk: A Brief Guide

New loan projects on the Estateguru platform will now receive a credit risk score from the world famous and highly respected risk assessment firm, Moody’s Analytics.

Estateguru’s enhanced credit policy: What’s new?

Estateguru has recently implemented several changes to our credit policy, with the aim of strengthening our portfolio and elevating our investors’ experience on the platform.

Invest with Estateguru and Win an iPhone 16 Pro!

Register on Estateguru and make at least one investment between January 2–31, 2025.

The lucky winner will be chosen by lottery and announced on February 5, 2025. Start investing today!

Invest with Estateguru and Win an iPhone 16 Pro!

Register on Estateguru using the referral code Welcome25 and make at least one investment between January 1–31, 2025.

The lucky winner will be chosen by lottery and announced on February 5, 2025. Start investing today!

“Our team follows a process designed to provide our investors with what we believe are going to be top performing investments.”
Cameron Wu
VP of Investments

Frequently Asked Questions

The minimum investment amount is €50.

Estateguru’s loans are secured with real estate collateral and a mortgage that is established on the collateral property. Once the loan is fully invested, the borrower has to go to the notary office and enter into an agreement with the Security Agent to establish the mortgage. The mortgage will then be registered at the Land Register (with the Security Agent as mortgagee on behalf of the investors). The Security Agent is a separate limited liability company whose primary purpose is to hold securities for the benefit of investors making investments via Estateguru.

Estateguru is established in Estonia and is supervised by the financial supervision authority in Estonia (Finantsinspektsioon).

The aim of the due diligence is to assess the company’s ability to pay back the loan. We do a thorough investigation of the borrowers’ background, creditworthiness and current obligations. If applicable, the business plan and financial statements will also be investigated. As soon as the borrower is late in repaying an instalment, we will make contact on behalf of our investors to find out the reason behind the delay. When the borrower faces financial difficulties, we will try to find the best solution for both parties. If the borrower is unable to repay the loan, we will cooperate with our debt collection partners and security agent to recover the debt through selling the collateral via an auction that is organised by the bailiff agent.

All details required for making a payment can be found by logged in users on our webpage under the “deposit/withdraw” section. Users are welcome to make their deposits to Estateguru via SEPA payments, but also through third party service providers such as Wise Borderless, Lemonway, Revolut and Paysera. The deposit needs to be done from the investor’s personal (company) bank account! If you are using the Wise service, please make sure you are using a multi-currency account for your deposits. More information can be found here. Attention should also be paid to the countries where such accounts cannot be opened – you will find the countries listed here.

Please be aware that Estateguru only accepts euro payments – unfortunately, payments in other currencies will be rejected.

Owning an investment account via Estateguru is free of charge. Estateguru charges a 3% fee for selling claims via the Secondary Market (the fee is applied to the seller) and a €3 service fee which is calculated and charged every time an investor withdraws funds from the virtual account.

An “inactive account fee” is charged as contractual penalty to users who have deposited funds in their accounts but who have not made any new investments on the Primary or on the Secondary market for the last 12 months. The fee will be applied monthly in case there is a positive balance on the user’s account. If the cash balance is €0 then the fee will not be applied. If the user makes an investment, the account status will be switched to active again.

All fees can be found in our price list.

If you wish to sell your claims, you can choose the claims from the “Portfolio” page by clicking the basket icon in the loan portfolio list. The seller can choose the price of the claim, hence also the return for both the seller and the buyer. The investor can only sell the entire claim, the claim cannot be halved or partially sold. All contracts are established in a manner that all previous contracts are handed over to the buyer, including all bonus contracts if applicable.

 

Please describe the problem as accurately and clearly as possible. That way, we don’t have to ask any additional questions, and we can start helping you straight away. If you’re writing to us about a technical issue we would highly appreciate a screenshot showing the error message.

If you would like to inquire about a deposit made, please attach a payment order, if possible. If you send us a document or an image, please check that the document’s quality is good and has all the necessary information.

Estateguru’s official information sharing channel is our messenger widget located on the homepage of our website. Please be aware that we cannot give you account or loan specific information through any other channels.

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