EstateGuru

EstateGuru is a pan-European marketplace for short-term, property-backed loans. It connects developers needing capital for bridge loans or development projects with investors. Every loan on the platform is secured by a mortgage (usually first-rank) on the property, providing a high level of security for investors compared to unsecured P2P lending.

Investors typically earn returns between 10% and 12% annually. The platform has funded hundreds of millions of euros in loans across Estonia, Germany, Finland, and Lithuania. It is a legitimate way for Europeans to invest in real estate debt with a low minimum entry point.

Frequently Asked Questions

1. specific minimum investment?

The minimum investment per project is €50. This low barrier allows investors to build a diverse portfolio of property loans across different countries and asset types.

2. Is the loan secured?

Yes, nearly all loans on EstateGuru are secured by a mortgage on the property. This means if the borrower defaults, the property can be sold to repay the investors.

3. specific secondary market?

Yes, EstateGuru has a secondary market where you can sell your loan claims to other investors if you need to exit the investment before the loan term ends. A 2% transaction fee typically applies to the seller.

4. Who can invest?

Investors must be at least 18 years old and have a bank account in the SEPA (Single Euro Payments Area) zone. This includes most European countries and the UK.

5. How often is interest paid?

Interest payment schedules vary by project; some pay monthly, while others pay a lump sum at the end of the loan term (bullet repayment). You can filter projects to find your preferred schedule.