EstateGuru is a online marketplace focused on real estate peer-to-peer lending. Founded in 2013 by Kaspar Kaljuvee, Marek Pärtel & Marko Arro, EstateGuru facilities the financing of development loans, bridge loans, renovation loans and business loans based on real estate collateral in Baltic countries such as Estonia, Latvia, and Lithuania. In 2019 EstateGuru expanded operations to Finland, Germany, Portugal and Spain, but these deals represent a small part of the overall loan portfolio.
EstateGuru is based in Tallinn, Estonia and is growing quickly as one of the largest real estate P2P investment platforms in Europe. All loans are backed by real estate collateral (with a average LTV below 60%) and EstateGuru has a good lending track record with investors achieving average returns over 12% to date.
In 2020, EstateGuru launched a Seedrs equity crowdfunding campaign to raise capital for further expansion and growth.
The risk profile of the loans can vary considerably and it is, as always recommend to perform a careful due diligence and selection before investing. EstateGuru is not a P2P platform that should be left alone through the use of the auto invest feature.
EstateGuru Platform Pros & Cons
EstateGuru Pros
EstateGuru Track Record
Risk Assessment Info
Secured Loans & Collateral
High Interest Rates
Platform Transparency
EstateGuru Cons
Auto Invest Tool
Limited Diversification
Secondary Market Fee
Withdraw Fee
You should be aware in EstateGuru there’s no buyback guarantee. However, as presented above, the platform offers multiple reasons to trust and in reality EstateGuru is one of the best options to invest in real estate backed loans in Europe. The platform keeps growing and working to diversify their loans offers to additional countries. However, you must perform a adequate due diligence on each individual loan before investing. Loan risk if totally different from loan to loan, making it sometimes complex to build a risk diversified portfolio with small investment amounts.
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EstateGuru Alternatives and Competitors
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