EstateGuru review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
EstateGuru lends investors a share of property loans, so returns depend on borrowers repaying rather than on deposit interest alone. It suits savers who can leave money in fixed loans to the end, with a 7% headline above the 6% fixed-rate bond median.
Key facts
- Best for
- Funding property loans at a fixed rate and holding until the borrowers repay.
- Headline rate
- 7%↗
- Rate type
- Fixed↗
- Minimum deposit
- €100↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment↗
- Account kind
- Fixed↗
- Legal entity
- Estateguru OU↗
- Headquarters
- Estonia↗
- Founded
- 2013 to 2014↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- estateguru.co
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- Deposit protection is EU DGS up to EUR 100,000.
- Support runs on email, chat and phone.
- Estateguru OU is an Estonian provider, founded 2,013 to 2,014.
Cons
- Portfolio loans cannot be sold on the secondary market until the borrower has repaid, so a fixed holding stays put while the book runs.
- A completed account is needed before funding a fixed rate book, and interest arrives monthly rather than as a payout at maturity.
- The €100 minimum ranks 306 of 370 on minimum deposit, so entry is not among the smallest on the site.
Who it suits
- Investors with a completed Estateguru account who want exposure to property loans rather than bank deposits.
- Savers able to commit €100 or more and leave it working while loans are repaid.
- People who prefer a fixed return credited monthly over a variable savings rate.
Who should look elsewhere
- Plazo ES, if you would rather borrow than fund loans, at a 24.19% rate on a card product.
- PayPal Colombia, if a 3.3% digital wallet balance suits your cash better than a fixed rate loan book.
- AXI Card Tarjeta y Credito, whose 21.59% rate is for card and credit rather than for money locked into property loans.
How EstateGuru compares
8.8 vs 8.6
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8.8 vs 8.7- 8.8 vs 8.0
8.8 vs 9.0
8.8 vs 8.1
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8.8 vs 8.0
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8.8 vs 9.0
Where EstateGuru is available
- Available
- Everywhere except Australia, Canada, Japan, United States
- Licence in Estonia
- Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) (4.1-1/48), checked September 26, 2026
- Licence in Lithuania
- Bank of Lithuania, checked September 26, 2026
- Licence in Finland
- Finanssivalvonta (FIN-FSA), checked September 26, 2026
Frequently asked questions
What rate does EstateGuru pay?+
The headline rate is 7% and it is fixed, so the return is set when the loan book is funded. Interest is credited monthly to your account rather than held to the end. The fixed rate book sits above the 3.08% savings median and the 6% bond median.
Is my money protected if something goes wrong?+
Deposit protection is EU DGS up to EUR 100,000, the EU deposit guarantee scheme. Estateguru OU is registered and supervised in Estonia by Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) under 4.1-1/48. Because you fund loans rather than hold a deposit, check how the scheme treats the loans you buy.
How much do I need to put in?+
The minimum deposit is €100, well below the €190 median in the fixed-rate bond list. A completed Estateguru account is needed first, so open it before you plan the deposit. Once the loans are funded, the money earns 7% as borrowers repay.
Can I take my money out early?+
Not before the loans finish. This is a fixed holding, and portfolio loans cannot be sold on the secondary market until the borrower has repaid. Treat the money as committed for the term, with interest credited monthly in the meantime.
Who runs EstateGuru?+
The provider is Estateguru OU, based in Estonia and founded 2,013 to 2,014. Its supervision sits with Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) under 4.1-1/48, where it appears as a crowdfunding service provider.
What support do I get?+
Support runs on email, chat and phone, so you can reach someone by phone or chat as well as by email, with a help centre for the basics. A completed account is required before funding, which puts the verification step ahead of a starting deposit. Keep your account details to hand when you ask.
How does the rate compare with card and wallet offers?+
The 7% headline is well above 3.3% from PayPal Colombia, though that is a digital wallet balance rather than a property loan. Card products sit the other way: 24.19% from Plazo ES and 21.59% from AXI Card Tarjeta y Credito, where you borrow rather than lend.
Sources
- estateguru.co checked September 26, 2026
Backs: Headquarters, Legal entity
“HQ, Estonia Liivalaia 36 10132, Tallinn”
- estateguru.co/about-us checked September 26, 2026
Backs: Founded
“In 2013 a group of real estate and fintech experts based in Tallinn, Estonia had a bright idea ... Thus Estateguru was born ... Since 2014, we've been removing the barriers”
- estateguru.co/contact-us checked September 26, 2026
Backs: Support channels
“Contact us via support widget located in the bottom right corner of the page or send an email to info@estateguru.co ... HQ Office phone number: +372 6412 777”
- estateguru.co/eg-grow checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type
“No early exit: Once invested, loans in the EG Grow portfolio cannot be sold on the secondary market and remain in place until borrower repayment”
- fi.ee/et/eesti-uhisrahastusteenuse-osutajad/estateguru-ou checked September 26, 2026
Backs: Deposit protection, Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.