EstateGuru Review

4 star rating

What we like

What we don't like

Key facts

  • Interest rates are high - typically 10 to 12%
  • All loans are secured by real estate
  • The quality of information provided about each loan is fantastic. Potentially the best we have seen on any P2P platform
  • LTVs are reasonable. Average LTV is below 60%
  • Many of the collaterals are completed residential assets, which tend to be lower risk than other asset classes
  • There is high demand for loans and it will take time to allocate an investment across several loans to provide risk diversification
  • The platform lends to businesses in the Baltics. Many investors will be unfamiliar with these region
  • Loan types - Development loans and bridge finance
  • Collaterals - All types of real estate, including residential, commercial, land
  • Protection fund? - No
  • Autobid available? - Yes
  • Secondary market? - No
  • Is platform profitable? - No financial information available

Our views on EstateGuru

EstateGuru has been growing quickly and it has recently become one of the largest business loan platforms in Continental Europe. This platform has a good lending track record and investors have achieved average returns over 12% to date. Loans are typically made to developers for the purpose of either developing an asset or to provide a short term bridging loan secured against a completed asset. The risk profile of the loans can vary considerably and we would recommend performing careful analysis and selection before investing. This is not a platform that we would make use of auto-bidding facilities. Most investors will be attracted by the relatively high rates on offer, the impressive amount of information provided on each loan, and the track record of the origination team. We expect this platform to continue growing strongly in the coming years. To learn more about EstateGuru, you can read our interview with their Chief Risk Officer here

EstateGuru 0.5% bonus for new investors

EstateGuru is offering a sign up bonus to new investors for a limited time period. To earn this bonus follow the following steps:

1. Open an account with EstateGuru using this link. (Note - this link must be used to qualify for the bonus)

2. Invest into EstateGuru loans within 3 months of account opening. There are no limits placed on how large your sign up bonus can be. All investments made within 3 months of account opening qualify for the bonus

3. EstateGuru will then automatically credit your account at the end of the 3 month period. EstateGuru will automatically transfer the funds to your investor account once the project(s) reach "funded" status on the platform. 

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