Manual Invest
You define the strategy and choose each project manually.
Manual investing
Your Portfolio. Your Picks.
Full Control.
Invest in real estate-backed loans across the Baltics!
Secured by first-rank mortgages
150,000+
Investors
€950M+
Invested
12 years
Operating
How Manual Investing Works
Browse Loans
Explore open loan projects with full transparency: property type, location, LTV ratio, interest rate, loan term, and borrower track record. Filter by country, loan type, or term length.
Review & Invest
Open any project for the full breakdown: valuation report, property photos, collateral details, repayment schedule. Invest from €50 per loan.
Earn Returns
Receive interest payments according to the loan schedule. Track every project’s status in your personal dashboard.
Built for Hands-On Investors
Full Transparency
See property valuations, borrower profiles, LTV ratios, and full loan documentation before every decision.
You Pick Every Project
No automatic allocations. Every euro you invest is a conscious, deliberate choice made by you.
Real Estate Backed
All loans are secured by first-rank mortgages on physical property tangible collateral you can see.
Diversify Your Way
Build a portfolio across multiple countries, loan types, and risk profiles entirely on your terms.
Secondary Market Access
Need liquidity? Buy and sell loan positions on the secondary market before the loan term ends.
Invest from €50
Low minimum per project makes it easy to diversify across many loans without overcommitting capital.
Every detail, before you invest.
Invest in real estate-backed loans across the Baltics!
How Auto Invest compares
to our investment modes
Secured by first-rank mortgages
Built on Strong Foundations
First-Rank Mortgages
Every loan is secured by a first-rank mortgage on real property. Your capital ranks senior in any recovery proceedings.
Security you can rely on
Full Project Due Diligence
Each project undergoes rigorous risk assessment, property appraisal, and legal verification before reaching investors.
Security you can rely on
Investor Control
You decide where your money goes. No hidden pooling, no forced allocation complete visibility over your portfolio.
Security you can rely on
What hands-on investors say
“EG Grow makes it easy to invest in real estate loans without having to choose projects myself. I receive monthly interest and can simply reinvest to grow my portfolio over time.”
Martin K.
“I like receiving regular monthly interest from my investment. EG Grow gives me a simple way to generate steady cashflow from real estate loans.”
Thomas R.
"I am enjoying the autoinvest tool. You can constantly invest even if you have no time or are not skilled. The platform itself is user-friendly"
Kaisa L.
“EG Grow makes it easy to invest in real estate loans without having to choose projects myself. I receive monthly interest and can simply reinvest to grow my portfolio over time.”
Martin K. “I like receiving regular monthly interest from my investment. EG Grow gives me a simple way to generate steady cashflow from real estate loans.”
Thomas R. "I am enjoying the autoinvest tool. You can constantly invest even if you have no time or are not skilled. The platform itself is user-friendly"
Kaisa L.
Frequently Asked Questions
EG Grow is an investment product from Estateguru with a fixed 7% annual interest rate, paid monthly. Your funds are automatically allocated into a diversified portfolio of property-backed loans across the Baltics, each secured by a first-rank mortgage, according to predefined eligibility rules.
EG Grow follows a defined set of rules when selecting loans. The key criteria are:
- Loan term: 6 to 18 months
- Schedule type: Annuity or bullet
- Repayment frequency: Monthly or quarterly
- Interest rate: From 10% (the difference to the investor’s 7% covers platform operations, contingency fund contributions, and risk margin)
- Maximum loan-to-value (LTV): 69%
- Collateral: Only loans secured with a first rank mortgage
Yes, the main conditions are:
- Account requirement: You need a registered Estateguru account that has completed KYC.
- Minimum first transfer: €100.
- Allocation period: Funds are allocated into loans over a period of up to 14 days. Interest begins to accrue only once each portion has been allocated.
- No early exit: Once invested, loans in the EG Grow portfolio cannot be sold on the secondary market and remain in place until borrower repayment.
For full conditions, see the EG Grow Terms of Use.
You can add funds in two ways:
- Transfer money from your existing Estateguru account balance.
- Make a direct deposit using bank transfer.
Interest begins to accrue once your funds have been allocated into loans.
Yes. The minimum first transfer to EG Grow is €100. Once activated, your funds are gradually allocated into a portfolio of loans according to predefined eligibility rules. The initial allocation can take up to 14 days.
Interest begins to accrue once your funds have been allocated into specific loans:
- After your transfer to EG Grow, funds are gradually allocated into loans. Initial allocation can take up to 14 days.
- For first-time EG Grow investors, a 4-day reflection period applies before allocation starts.
- Interest is paid monthly on the amount that has been allocated.
Principal repayments depend on the repayment schedule of each underlying loan in your portfolio. EG Grow invests in loans with two main schedule types:
- Annuity: Principal is repaid gradually over the loan term, alongside interest.
- Bullet: Principal is repaid in a single payment at the end of the loan term.
Since your portfolio is diversified across multiple loans with different terms (6 to 18 months), repayments arrive at different times. Note that repayment timing depends on borrower performance.
No. Once your money is invested, the interest rate applied at that time is fixed and will not change for that investment.
Ready to pick your own investments?
Join 150,000+ investors already growing their wealth with Estateguru.
Secured by first-rank mortgages
