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EstateGuru review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.

Key facts

Best for
Lenders happy to lock cash into property loans for a fixed monthly return
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

Mortgages

Initial rate
7.2%↗
Fixed period
3 years↗
Maximum loan to value
75%↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXfi.ee

Pros and cons

Pros

  • A fixed rate of 7% held for the whole term
  • Interest is credited to the account every month
  • Deposits sit under EU DGS up to EUR 100,000
  • Support runs by email, chat and phone

Cons

  • Cash in the notes stays in place for the full term, with the rate held at 7% throughout
  • The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
  • An Estateguru account with completed identity checks is required before you can hold notes
EstateGuru

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Lenders who want a fixed rate and can leave the cash in place
  • Property investors who prefer monthly income from loans that run to term
  • Savers with €100 or more who weigh cover above access

Who should look elsewhere

  • Anyone who may need the money back before the term ends
  • bunq, whose 3.01% pays less but keeps the balance open
  • Wise, whose 3.29% suits everyday cash rather than a fixed note

The company behind it

EstateGuru is run by Estateguru OU, registered in Estonia and established in 2,013 to 2,014. It is supervised by Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48. Investors can reach the team through email, chat and phone, so help is available by phone, live chat, email and a help centre.

How EstateGuru compares

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 on its notes?+

The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.

Is my money protected at EstateGuru?+

Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.

How much do I need to put in?+

The minimum deposit is €100, a low entry point for a fixed rate product. The money is then placed into property loans funded through the platform rather than sitting as a cash balance.

Can I get my money back before the term ends?+

Cash in the notes stays in place for the full term, since early exit sits outside the platform's terms. The portfolio loans behind the notes also stay off the secondary market until the borrower has repaid.

What do I need before I can hold notes?+

You need an Estateguru account with your identity checks completed before you can hold notes. Once the account is running, interest is paid into it every month rather than held back until the loan term ends.

Who is behind EstateGuru?+

The provider is Estateguru OU, based in Estonia and founded in 2,013 to 2,014. It appears on the Estonian Financial Supervision and Resolution Authority's register of crowdfunding service providers, which publishes its registration 4.1-1/48.

How do I get help if something goes wrong?+

Support runs through email, chat and phone. Phone and live chat handle quick questions, while email and the help centre take written enquiries about notes, repayments and account checks at any time.

How does the rate compare with other savings brands?+

The 7% rate sits above the 3% median across the site. For context, bunq pays 3.01% and Wise pays 3.29%, but both are flexible balances rather than notes tied to a fixed term.

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/borrower checked September 26, 2026

    Backs: Initial rate

    “Interest rates from 0.6% per month (0.6% x 12 = 7.2% per annum; loan terms state the rate is expressed as a percentage rate per annum)”

  • estateguru.co/borrower/development-loan checked September 26, 2026

    Backs: Fixed period, Maximum loan to value

    “Payment term: Up to 3 years (Development loan conditions)”

  • 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 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

EstateGuru

EstateGuru

Lenders happy to lock cash into property loans for a fixed monthly return

8.8/10Visit