Estateguru Reviews 1,514

I invested 200€ in 4 loans a few years ago. 1 and a half loans came back, the rest is "in retrieval". This is the WORST risk management I have ever seen in all of my years in finance. Beautiful web interface, but the worst loan risk management ever.

I recently began using Estateguru’s new product, EG Grow, because its structure seemed straightforward and suitable for my investment strategy. After using it for some time, I can confirm that it is currently working as described. Interest payments arrive regularly and the investing process runs as promised. So far, the experience has been very positive.

Highly not RECOMMEND this platform.
I have tried many different p2p platforms and I can say it is the worst platform ive seen. i have been using EG for about 5 years. Now i have total 28 loans and all of them are in default. Loans became insolvent 2-3 years ago (some were delayed to become default by EG) and almost nothing is done via this period (minimally recovered).
Recovering example: 2021 November invested 50e into loan 14.3% LTV, projected LTV 28.6%. Became default. After recovery in end of January received 4.34e and EG closed the loan. So only 8.7% is back. With such low LTV should be no problem to sell the property to cover the costs. But what happened now??? Only 8.7% is back?? What is the point to borrow with property :/ Where is the guarantor???
As well noticed that in the tables are played with numbers to look better profit %.
If a bit is recovered, soon they want to charge in activity fee while having 28 loans in default.
Just my 5 dimes.
There is more, maybe add more info in future.

It's good that you can autoinvest, so you don't have to manually manage your portfolio.

Estateguru enable you to invest in different countries and stages of real estate.

Sadly a bit lacking with the UI/Display.

Avoid this platform. Problems with withdrawals have started. Verification links doesn't work, support doesn't work, additional charges for funds. Requires document verification even though they already have them. These scammers are in a very suspicious stage.

look at Private Investor - EGU84565 and you know why you received just 1 Star!

Will invest your money against explicit wishes and settings. Do not trust this platform. Login SMS verification not working. Highly dodgy, stay away.

No verification code sent. Can't log in into my account. No access to my money.

The platform didn't let me invest into loan with generic error message and then changed me 10eur fee for being inactive.

All that while there I have over hundred loans in default that they unable to recover and constantly writing substantial amounts off.

Regarding EG comments:
It started working the day after I got charged the fee with exactly the same browser as before, and I did try to contact support using your useless AI chat bot as well as reaching out using facebook. I haven't received any help whatsoever. The only place someone takes time to reply is here...

I made a transfer of 2000 euro on 5th of January and the money still doesn’t appear on my account after 14 days. In addition for my email request to refund the 2000 euro transfer back to my bank account I also didn’t receive an feedback.
That absolutely not a trustful way! expecting more feedback than „believe us, your money is safe“

Customer support service doesnt fix problems, just give random copy/paste answers that doesnt help. We can see it also here from posts below. In my case company lost my deposit in Estateguru account, and 11 days later not only didnt found, but also dont answer to emails no more. As long they wont start recover defaulted loans in responsible and active manner, and as well wont start to deal with their customers in respectable manner, there is only one way road to insolvency. As real estate businessman i can tell, that situation can be fixed, but in my opinion current company leadership is uncompetent, weak and doesnt understand what they do.

I am extremely disappointed with my experience on EstateGuru. I invested in a loan back in July 2022, and for nearly two years, the communication was mediocre at best. However, since April 2024, the loan has been moved to "Recovery" status, and it has been a complete "black hole" of information ever since.

There has been no meaningful explanation provided regarding the delay, the current state of the collateral, or a realistic timeline for when investors might see their capital again. It feels like my money is being held hostage while the platform provides vague updates that offer no real substance.

If you value liquidity and transparent communication, stay far away. Watching my investment sit in limbo for years with no accountability from the platform is unacceptable. I would not recommend EstateGuru to anyone looking for a reliable investment partner.

I invested a substantial 6 digit amount in my Estateuru portfolio While some loans worked as expected the majority of the loans is either in recovery mode (without any results whatsoever) or extended again and again and again without any outcome.

I have several loans that have been designed for a 12 months period and are now running for more than 48 months as EG was prolonging the loan for changing reasons every few months, And often the reasons are opposing each other (f.ex. first reason was refinancing the project via EG, then refinancing via 3rd party, then selling the collateral, then refinancing the loan via EG again). Does not make any sense whatsoever,

After their response: This is simply not true - EG often tries to provide incorrect information publicly to protect their "reputation" (which does not exist anyhow - see the reviews here). I often sent emails to their support address after incorrect handling of investments but never got a response.

Now they charged me an inactive account fee which was never agreed on in their T&C when I signed up (and In explicitly rejected their request of change) even if my account is not inactive and sone funds have just been re-invested.

Avoid like the plague. Loans to be matured and resettled in 2022 still not unsettled. They advertise 8% to 12% return on investments and in reality I got a -60% return.

I trusted this company. I even bought shares on seeders but now I am buffled by their audacity. First I wait nearly a year to see progress on my default cases and then they take the money because my account is inactive. Of course it is inactive if they can not do their jobs. I hate that I ever trusted them with my money.

I have mixed feelings about EstateGuru. In my opinion, the recovery processes for defaulted loans take much too long. Additionally, the inactivity fees are way too high. I would also appreciate more detailed statistical analysis and better reporting tools. Finally, there is a technical bug where the language constantly jumps back and forth between German and English when switching pages, which is quite annoying.

I started investing 3 years ago with the lowest possible amount, to see if the platform was reliable. After a year I received the invested amount and the promised interest. I then started investing on a regular base, with the lowest possible investment to see if the platform could deliver. EstateGuru kept on delivering it's promises. In those years EstateGuru has changed it's interface, it's way of working and it's costing structure, all minor changes. But always informed investors multiple times in many ways, by mail etc.
When the German market started to show trouble, EstateGuru informed me on a regular base about possible outcomes. When loans started to be delayed, again EstateGuru informed investors about what they were doing and why, to protect investors.
Eventually some loans I invested in were defaulted. As investing always involves risk. EstateGuru is still handeling some these with their staff and external experts.
The platform has loans from different countries, especially the Baltics. There were Portuguese, Spanish and German loans on the platform but these have disappeared it seems. The loans vary in size, interest, repayment method (bullet, full bullet, ..). There is a market available to buy or sell investments to other investors. It has started to implement a "Grow" side project where EstateGuru invests your money for a fixed netto monthly return of 7%, lower than interest rates on the platform but without the need to do anything yourself.
For me this is a great extra income stream, affordbale with minimum buy-ins of 50 euro, with almost no limit for a max Buy-in.
There are several safety checks involved in registration, submitting funds and investing in projects. All loans are backed so in case of trouble there is a big chance of returning most of you investment back

This is a terrible platform. I am an avid user of many other similar platforms (e.g., Mintos, Peerberry, Urbanitae), and I have yet to find one as bad as this one. ALL of the projects I selected (5) have defaulted (invested in 2021), 0% recovery even though all had LTV around the 25% mark.

But apart form their loans, the platform is just scammy. The withdrawal mechancis (not that I will be using them) are hidden, and apparently one of the loans was reimbursed, but that money just disappeared and is not in my wallet....

Terrible, put your money in at your own risk

More than three years have passed and my entire portfolio is still in “Default.” For months, I have been receiving the same automated message claiming that a “recovery plan is ongoing,” yet there has been absolutely no progress or concrete action. No solution has been delivered, no transparency provided, and no returns generated. Investors should be extremely cautious, as I have effectively lost my money.