Commission And Fees
91%
Customer Service
85%
Ease of Use
86%

EstateGuru

ESTATEGURU REVEW

EstateGuru Overview

EstateGuru is an Estonian-based real estate investment site, which primarily finances property loans to companies. As such, all platform loans often come with a property as a guarantee, making it very safe for the investors. Their ventures yield roughly 11 percent for a year or more. To get a clearer understanding of the EstateGuru analysis and their investment prospects, remember that most of their ventures are based in Estonia, Latvia and Lithuania, but the company is actively increasing and they expect to expand the UK and Portugal in the foreseeable future.

Detailed Info

The Interest Rates

The interest rates are okay, but their key competitors typically offer lower ones than these. EstateGuru lists several separate, large-scale initiatives, often with more than an amount of 200,000 euros. As they say, their average annual returns are as high as 10-11 percent and depend on the type of P2P investment you would take.

Loans Characteristics

Their projects typically take more than 1 year to complete. Those offers are located mainly in the real estate sector. What's more, the minimum investment you can make is 50 euros. EstteaGuru runs on their website in euros.

Reporting

The reporting tool for EstateGuru is complete and well-laid out. Additionally, you can export any amount of information as CSV, PDF or Excel files from your account. For example, you can evaluate your account, portfolio, market and so on using the reporting tool.

EstateGuru BuyBack Guarantee

Sadly, EstateGuru does not give its investors the buyback guarantee and in the case of a default project, there is no protection agent. However, the website of EstateGuru lists a long series of successfully repaid programs, and its default rate is extremely low.

Website

EstateGuru has just changed their brand's design and now they have on their web a completely new logo and new colours. The website is a nice design - sleek and user friendly. The EstateGuru is offered in 5 languages : English, Estonian, Latvian, German and Italian.

Secondary Market

EstateGuru has no secondary market.

Auto-Invest Feature

The auto-investing feature of EstateGuru is available to its clients. This means investors don't need to waste their time evaluating the deals and manually choosing loans. For whatever reason, you don't have access to specific risk management guidelines when you want to spend less than €250 per loan. You can simply just pick the maximum length of the loan. Otherwise, you'll be able to use a lot of parameters like interest rate, LTV, type of loan and type of security of loan.

Benefits and Drawbacks

+ Benefits

  • Worldwide-operating brand for real estate
  • High number of loans
  • Great track record of loans paid back successfully
  • New and highly-appealing website
  • Chance to start building your own portfolio for 50 euros

- Drawbacks

  • The returns are below the principal competitors
  • No guarantees on buyback
  • No secondary market
  • The auto-investing method works okay if you plan to invest more than 250 euros

Facts and Figures from EstateGuru

Headquarters

  • Tallinn, España

Investor Count

  • About 15,000 investors

The Amount of Loans Financed

  • As of the end of 2018, more than 80,000,000 euros

Average Return

  • According to the EstateGuru website details, the historical return is about 12.2 percent

How does EstateGuru work, and who can invest?

EstateGuru is available to anyone who is 18 years of age or older, and who has a bank account for any of the EEA member states or Switzerland in order to lend via the platform. In addition, EstateGuru is expected to carry out other "know your customer" checks before investors can start investing in EstateGuru.

How do you begin making investments? (Account opening)

It's incredibly easy to open an account on EstateGuru. Given the additional "know your customer" checks, the process is very fast. As always the first step is to provide basic information in a form of registration. The second move is to use a webcam to take a selfie to verify your profile. The third stage allows you to upload your documentation. The document review process normally takes a couple of hours. Remember that this process can in some cases take a few days, according to the comments on EstateGuru.

Making the First Investment

If you have created your account you can add money to your EstateGuru account. Within 1 to 3 working days, your funds will be available on your investor's account (transfer period depends on the bank and the country). We can only browse offers that are currently available on the website. Remember that the property would of course come as a protection on all loans should the borrower not pay back. The network interest rates are usually about 11 percent. You can also dive deeper into each loan and get lots of information about the loan. You might also get drone footage of the property for some of them. You will also find information about the creditor and the exact timeline for repaying the loan.

Should you invest?

EstateGuru has hundreds of positive reviews of its website and an extensive list of profitable offers. At the same time, EstateGuru does not provide certain features such as secondary market or buyback guarantee which might be useful to its users. We believe EstateGuru is a great way to start a portfolio of real estate crowdfunding or to diversify your current portfolio of real estate with high-quality, short-term loans.

EstateGuru main features and highlights

Bottom line
EstateGuru is an international marketplace for secured real estate lending. Over 17,500 investors earn up to 12 percent a year.
Fees: 5%
Min Deposit: €50
Target returns: 11.95%
Sectors:
  • Real Estate

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