EstateGuru
Estonia · Imobiliário · Fundada 2014
A nossa nota
Retorno médio
9,32%
média da plataforma
Regulação: ECSPR licence (Estonia)
Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.
O nosso veredicto
EstateGuru shows better than any other platform we cover what property collateral does and does not do. Every loan is secured by a mortgage, EUR 70 million of principal has been recovered from defaulted loans, and the platform kept publishing default and recovery data through its worst years. But by its own measure 27.45% of loans defaulted in 2023 and 20.14% in 2025, and loans in Germany and Finland are still being worked out years later, with properties selling at around half their valuations. Since 2023 it lends only in Estonia, Latvia and Lithuania, where it reports 97% of EUR 275 million lent as repaid or performing — but the lesson stands: a mortgage changes how a loss happens and how long it takes, it does not prevent one.
Ler a nossa análise completa da EstateGuruRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).O que funciona
- Every loan secured by a mortgage held for investors by a separate collateral agent, most of them first-rank
- ECSPR crowdfunding licence from Finantsinspektsioon since 8 May 2023, on a platform operating since 2014
- Publishes yearly default rates, recovered amounts and recovery times, including the bad years
- Working secondary market for performing loans; the seller fee fell from 3% to 1% in November 2025
O que não funciona
- Default rates of 27.45% (2023), 13.45% (2024) and 20.14% (2025), counted by number of loans
- German and Finnish loans are in multi-year work-outs with acknowledged capital losses, and recovered loans averaged a 5.14% return against the 9.32% headline
- Defaulted loans sell only at a deep discount, if at all, and EG Grow loans cannot be sold, so money in a bad loan is locked until the property is sold
- More fees than before: a 0.083% monthly AUM fee, EUR 3 per withdrawal, 1% on secondary market sales and an inactivity fee
Para quem é
Investors who want Baltic property-backed loans, check each loan's LTV and borrower themselves, and size the position for the chance that part of it is locked for a year or more.
Como se decompõe a nota
Como esta pontuação é calculadaCada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.
Número retirado de: estateguru.co · 21 de set. de 2026 · €966m lent; 160,133 active investors; 9.32% average historical return
Monitorização das condições
Relemos diariamente as condições públicas desta plataforma e registamos o que muda.
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