EstateGuru review

The minimum investment is €50, which matches the peer group figure of €50 for this category of lender. It ranks at position 12 of 23 across the brands compared here, so the entry point is typical for property-backed lending rather than unusually high or unusually low.

The advertised target return is 11.04%, above the peer group figure of 9.2% and higher than Mintos at 9.2%. EstateGuru places at position 5 of 15 on the site for this figure. Read it as the level the platform aims at, not a promised payout.

EstateGuru is listed by Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority), Bank of Lithuania and Finanssivalvonta (Finnish Financial Supervision Authority), and its Estonian Financial Supervision and Resolution Authority licence reads 4.1-1/48. Being on those registers means the platform is supervised and held to conduct rules, though supervision is not a promise that the loans you fund will be repaid on time.

The buyback guarantee is no, so there is no promise to repurchase your loans early from the platform. You rely on borrowers repaying in full, or on selling through the secondary market when a buyer appears. Among peer lenders in this category, 81.5% share the same gap.

A secondary market is available, so a loan can change hands before the borrower has finished repaying it. That gives you a way to shorten your holding period, though the price you get depends on the buyer. The wider comparison shows 55.6% of the sites listed offering one, so it is a common feature here.

Support runs on email, chat and phone, so you can write in by email, start a chat, call or work through the help centre. A help centre is offered by 84.6% of the sites compared, and phone support by 69.8% of the peer lenders in this category.

The platform is run by Estateguru OU, founded in 2014 and based in Estonia. Its permissions are held in Estonia, Lithuania and Finland, which is the market the lending products are aimed at. Help is offered in writing and by phone when a loan payment needs checking.

EstateGuru's target return of 11.04% sits above Mintos at 9.2%, while Nectaro's reads 10% to 14%. On entry size, the minimum investment of €50 matches the peer group figure of €50, so the differences sit in the stated return rather than the size of the first order.