EstateGuru review 2020
Take a look at our EstateGuru review, and learn if the platform is for you.
Review of EstateGuru
Risk/Reward
We find the return compared to the safety favorable.
Beginner Friendly
The EstateGuru P2P platform is beginner friendly.
Investor Protection
EstateGuru has made a lot of safety measures.
Return
Investors get an average return of 11.89%.
We Like
- No investment fees
- Mortgage secured loans
- Good quantity of loans
- Minimum investment is €50
- Possible to use auto-invest
We Don’t Like
- No buyback guarantee
- Lower yield than competitors
Summary: EstateGuru is an excellent real estate focused platform. But compared to some competitors, they offer a slightly lower return. However, this is because they focus on getting a lot more loans on their platform, which means you will have an easier time getting all your money invested. Therefore, EstateGuru is a really good option for a platform for investors with a lot of capital.
You will get a 0.5% bonus on your investments the first 3 months
Last updated: January 2, 2020
EstateGuru review
There are a number of EstateGuru.co reviews, but few of them take a look at the platform safety. That is why we are doing exactly this here in our EstateGuru review.
So if you are currently considering EstateGuru, or are just looking for one of the best P2P lending platforms, then just read on. Because in this EstateGuru review we will make our best assessment of the safety on their platform, which you can use in your own assessment of the platform.
Note: We have made an agreement with EstateGuru, which means you can get a 0.5% bonus on the investments you make in the first 3 months. All you need to do to get the bonus is signing up on their platform through one of the EstateGuru affiliate links in this review. If you create a user through our site, you’ll at the same time support our website.
Before you dive into our EstateGuru.co review, we would also like to remind you that the review is only an expression of our opinion on the platform and the company behind. Nothing you read on our site should, therefore, be considered financial advice. That being said, you can use the navigation below to find out more about what you are looking for. Enjoy!
Learn about the following in our EstateGuru review:
What is EstateGuru?
EstateGuru is a European marketplace for short-term, property-backed loans. The loans vary in type and you can among other find development, refinancing, construction and bridge loans on their platform.
EstateGuru was launched in 2014 with base in Estonia. Since then, over 38,000 investors from 45 countries have registered on their platform. These investors are ready to invest in the many loans added to the EstateGuru’s platform. The loans are relatively short-term and have a typical length of 12-18 months.
The average loan-to-value (LTV) ratio on EstateGuru is around 58.21%. This is slightly higher than what can be found, for example, on a similar competing P2P marketplace as Bulkestate, which also has a higher return. However, it is easier to get all your money invested with EstateGuru, as they have a lot more loans on their platform.
Since the platform is based in Estonia, the loans on the platform are also primarily issued to borrowers in the Baltic countries. However, a small percentage of the loans are issued to borrowers from other countries.
The EstateGuru minimum investment amount is only €50, which allows nearly everyone to start investing in property on their platform.
What rate of return can you expect?
The average historic return for investors at EstateGuru is around 11.89%. Since this is an average return, you can reasonably achieve the same return.
If you intend to selectively choose loans, then it is probably also possible to get a slightly higher return.
Do you seek a higher return? By taking on a little more risk you can actually get that. If you, for example, compare EstateGuru vs Crowdestate, then you will be able to get a lot more return at Crowdestate. However, their liquidity of loans is also lower.
Who can invest via EstateGuru?
To be able to invest via EstateGuru, you must comply with the following requirements:
Requirements:
- Being at least 18 years old
- Have a bank account in EEA member states or Switzerland (Transferwise works for global investors)
- Comply with KYC checks
If you meet the few requirements, you can start investing through EstateGuru. To get started, just follow this process:
- Create an account
- Add funds to your account
- Pick loans and start investing
As you can see, it is actually not difficult at all to get started at EstateGuru. With just a few steps you are already investing.
Would you like to invest in real estate loans through EstateGuru? Then press the button below to sign up. You even get 0.5% on top of the investments you make during the first 3 months:
How safe is EstateGuru?
One of the most important aspects of choosing a Peer-to-Peer lending platform is that security is top notch. Of course, we have therefore also taken a look at how secure EstateGuru is in this EstateGuru review. So if you have an interest in knowing more about how safe you are on the platform, then just keep reading.
How safe are the investments?
What has been done to secure your investments is a good way to assess how secure a platform really is. And here EstateGuru doesn’t fall short.
Among other things, EstateGuru conducts thorough due diligence of each loan. However, they not only assess the borrowers on the basis of a credit rating. Instead, they also ensure collateral in the event that the borrower is unable to repay the loan. This happens through a mortgage.
If the borrower does not meet the requirements of EstateGuru, no loans are issued.
Although EstateGuru goes through this process, they do not, like some other platforms as Kuetzal, offer a buyback guarantee. However, this is because their loans consist of secured loans. But this has not been a problem so far.
Below you can see how the development of the loans on the platform has been historical:
As you can see, there have been no cases of loss of capital. This does not mean that it cannot happen in the future.
What happens if EstateGuru goes out of business?
From a legal point of view, EstateGuru is not a finance provider. Instead, they are a facilitator. This means that they are also regulated as a facilitator. So if they happen to throw in the towel they will be treated as such.
As EstateGuru is a facilitator, asset management is not something they do. Instead, all the loan contracts are written between the borrower and the investors.
In addition to that, all investors’ money is also separated from EstateGuru’s funds. EstateGuru’s clients’ money is stored in a separate client bank account. Should it, therefore, happen that EstateGuru goes bankrupt, the investors’ money does not smoke in the fall, and you can still withdraw your money from the platform.
In the event of a bankruptcy, a contractual entity will also take over the management of the investments, which makes EstateGuru pretty safe for investors.
Can I get an EstateGuru promo code?
At the moment, we cannot seem to find a EstateGuru promo code. Instead, we have made an agreement with EstateGuru which gives you an extra 0.5% bonus on your investments in the first 3 months. It only requires you to sign up with them via this review. That way you can still get an EstateGuru bonus here on our site.
Would you like to claim the EstateGuru bonus? Press the button below, or any other link on here in this review, to claim your EstateGuru referral code bonus. Remember that you get a 0.5% extra for a full 3 months by doing so:
Set up an EstateGuru auto invest strategy
At EstateGuru it is possible to set up an auto invest strategy. It can be a great advantage for you as an investor to do so. If you set up an EstateGuru auto invest strategy, you can invest your money without actively choosing new investment projects all the time. Instead, you can invest passively and get the same out of your portfolio.
It is not even difficult to set it up. First, go to their website and make sure you have signed up and is logged into your account. Through your profile go to “auto-invest”. Here, you can set up an auto invest strategy that invests in the way you want it to:
Conclusion of our EstateGuru review
EstateGuru is a legit European P2P lending company. And having a longer track record than most real estate P2P sites, EstateGuru also proves to be fairly safe for its investors.
At EstateGuru there is higher liquidity of loans compared to many other property-focused platforms, but it also has the price that the return is lower. However, it is typically easier to get all your money invested at EstateGuru.
So whether you should choose EstateGuru depends very much on the size of your overall portfolio.
If your overall portfolio is large and you still want a higher return, then you also have the opportunity to diversify your portfolio beyond just one platform.
The biggest reason for choosing EstateGuru is the long track record and the large loan liquidity. If this is what you want, the platform is definitely a good choice. If you’d rather go for a higher return, we recommend that you take a closer look at Crowdestate, Envestio, Bulkestate and/or Crowdestor.
Would you like to sign up as an investor on the platform after reading about our EstateGuru experience? Press the button below to get started. Remember that you get a 0.5% EstateGuru referral bonus, if you sign up through our site: