EstateGuru
Estonia · Real estate · Founded 2014
Our score
Average return
9.4%
platform average
Our verdict
EstateGuru is the most instructive platform on this list, because it is the one that shows what property collateral is actually worth when the cycle turns. Its German loan book deteriorated badly, default rates rose sharply, and recovery through enforcement has taken years rather than the months investors expected. The platform handled it with more disclosure than most would have — but the lesson stands: a first-rank mortgage does not prevent losses, it only changes how long they take to crystallise.
What works
- First-rank mortgage security on the large majority of loans
- ECSPR licensed and among the longest-running property platforms in Europe
- Published detailed recovery data through a genuinely bad period instead of hiding it
- Secondary market available
What doesn't
- The German portfolio suffered severe defaults and recovery has been very slow
- Realised returns have come in well below the advertised figure for many investors
- Enforcement on property collateral takes years, during which capital earns nothing
- Development lending is inherently more cyclical than consumer credit
Who this is for
Investors who want property exposure, understand that recovery is measured in years, and are sizing the position accordingly. Read the German loan book history before you commit.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: estateguru.co · Sep 18, 2026 · €966m lent; 160,135 investors; 9.40% average historical return
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.