EstateGuru
Our take
EstateGuru arranges mostly short-term, property-backed loans to developers and small businesses. Its collateral model — a registered mortgage — sets it apart from pure consumer-loan marketplaces and is its central selling point.
Collateral lowers risk but doesn't remove it: if a project defaults, repayment depends on the property recovery process, which can drag on for months. The elevated default rate seen in recent years shows that even secured loans demand careful diversification.
Strengths
- Loans are secured by real estate (registered mortgages)
- Licensed under the EU Crowdfunding Regulation (ECSP)
- Detailed project documentation per loan
Weaknesses
- On default, recovery and repayment can take a long time
- A notable share of late or defaulted projects in the past
- No deposit insurance; collateral value can fall below the loan amount
Risk profile: medium
Frequently asked questions
What is the average return at EstateGuru?
EstateGuru offers approximately 9.4% p.a. gross return. Net return after defaults and delays depends on project selection and recovery speed.
Is EstateGuru regulated?
Yes, EstateGuru is licensed as a crowdfunding service provider under the EU Crowdfunding Regulation (ECSP), meaning uniform European supervision and investor protection requirements apply.
Does EstateGuru have a secondary market?
Yes, EstateGuru has a secondary market where investors can sell their loan shares early. Liquidity depends on demand and is not guaranteed.
Who is EstateGuru best suited for?
EstateGuru is best suited for investors who value real-estate collateral as an additional risk buffer and are willing to accept longer maturities (6–24 months) in exchange for higher returns.