estateguru – plattform review and raffle (win 2x 50€)

Blog, estateguru, p2p provider

In cooperation with estateguru I’m starting a raffle on the blog today. You’ll find more details at the end of this post.

I’ve written very little about estateguru on the blog so far. Estateguru is currently mixing up the real estate market in the P2P area quite a bit. Recently the 100 million € threshold was reached, i.e. 100 Mio. € invested in real estate projects, primarily in Estonia, Latvia and Lithuania. Finland should come next and some loans from Spain were already on the site. 100 Mio. € credit volume doesn’t seem to be much compared to mintos (which currently achieve this per month), but estateguru is not a marketplace like mintos, it’s a provider that covers the whole process and therefore I find the growth within 6 years very remarkable. estateguru‘s declared goal is to become the leading provider for short-term, real estate secured loans in Europe.

2016 when I came across estateguru, there were not even 5000 investors, currently there are already over 20000 investors and still growing. In spite of the strong investor growth there have always been enough investment opportunities lately, in 2016 you had to lie in wait for a while and immediately strike when new loans were put online.

The two main reasons for me to invest with estateguru and not on German platforms like exporo, bergfürst and co, were the higher interest rate level and the mostly first-class collateral. The German platforms almost always offer the loans with secondary collateral, which means that in the event of a default you only get second place, in most cases a bank is registered first. If something remains after the bank, it is distributed to the investors of the second rank.

According to current statistics, estateguru has over 93% of the loans with a first-ranking land charge, i.e. the probability of a high realisation rate is significantly better. Nevertheless, there are of course also defaults at estateguru and there has been a lot of discussion about recovery lately. In order to improve further, estateguru recently hired the former Head of Retail Credit Risk of Coop as Baltic Risk Manager. So that we can hope that the recovery rates can be further increased.

The raffle

Now for the exciting part, who registers with estateguru between 18.03. and 01.04.2019 via my link and successfully completes the authentication process, automatically participates in the draw.

On 02.04.2019 the two winners will be drawn, both will receive 50€ credit in their estateguru account. The promotion is only valid for new investors. The raffle is carried out directly by estateguru, I will not receive any personal data from you.

cashback and bonuses in February 2019

p2p provider

To start investing in 2019 some platforms are running bonuses and cashbacks, an overview:

envestio still has his offer of 5€ for investing 100€ and additionally 0,5% on all investments for 270 days!

estateguru use this link and get 1% cashback for all investments made from February 4th to March 4th! After that you get 0,5% for another two months (and me as well)

grupeer is still giving out 1% extra cashback on every investment made to Kviku and NordCard loans. (limited to February 5th)

new platforms I haven’t tried so far but might soon:

neofinance is offering 25€ sign up bonus

rendity also offers 25€ sign up bonus

monthly report january 2019

p2p provider

The last few months have been insanely crowded, lots to do and far too little time for the site and the blog. I will deliver the monthly reports for November and December in the next few days. But now let’s take a look at the January figures.

Current distribution

swaper I clipped my wings a bit after too much cash was lying around before Christmas. Viventor profited from this and continued to grow, from 27.21% in October 2018 to 33.84% in the meantime. I also increased a bit at mintos, where before Christmas there were 13% and 14% loans but that’s already going down again. At envestio the first repayments were due, so far everything is running smoothly. Unfortunately the interest rates on new projects are also falling due to too much demand.

p2p distribution January 2019

p2p distribution January 2019


There are defaults on two of my non-buyback platforms. At estateguru I currently deduct all reflows because the interest rates are too low for me and I want to wait until at least one of my failed projects has been recovered. Currently the statistics are a bit sad, 5 current, 3 defaulted and 2 overdue (78 and 303 days). But I don’t want to hide the fact that there are also 33 successfully repaid projects.

estateguru stats

estateguru stats

At flender there is unfortunately also a default and here I didn’t like the communication at all. The company was already dissolved at the time of the notification and they seemed to be running after the problem. Here I am very interested in the recovery.

Yields and cash in January 2019

Plattform Rendite in % Cashbestand in %
viventor 0,38 % 0,00 %
Mintos 1,00 % 0,00 %
swaper 1,23 % 13,08 %
viainvest 1,10 % 1,02 %
peerberry 0,92 % 0,00 %
estateguru 1,20 % 0,67 %
grupeer 1,05 % 0,04 % 0,93 % 0,00 %
envestio 1,31 % 16,84 %
flender 0,44 % 1,92 %
iuvo 1,13 % 0,00 %

At Viventor, things are looking rather sad at the moment, which is due to the fact that factoring loans are currently being held until the end of the term, where they were usually repaid very quickly before. I am assuming that this will subside by March and that some payments will come later due to the Christmas business.

swaper continues to run very well in terms of interest rates, but reinvestment still hangs in the balance.

Viainvest continues to tick like clockwork, to be honest I forget the platform from time to time because it runs so unspectacularly and no cash problems or interest rate cuts require my attention. Only at the beginning of the year the residency certificate is requested, I am currently writing a separate article about this.

estateguru shone in January with a high interest income, as a few due projects have paid.

envestio continues to run very well, unfortunately there are few new projects at the moment, so some money is lying around after the first loan repayments. An autoinvest would also be a great thing!


The envestio trial balloon is developing very well, all interest and repayments so far on time. However, it will not be topped up without further loans.

At estateguru and flender, I’m pulling out until the first results in the recovery are available, and the interest rates of 10-11% are too low for non-buyback. At flender the cash quota will increase, because payouts are not possible until 60€, clear thumb down for this!

Otherwise you have to hold your course, the annual yield 2018 was great (also in a separate article), there is nothing to complain about.

envestio logo

envestio review and first experience

Blog, envestio

So far, with the exception of Estateguru, I had only buyback platforms on the monitoring page. Therefore I would like to report today about my first experiences with Envestio. With Envestio another P2P platform is added, which doesn’t offer a “classic” buyback, but attracts with significantly higher interest rates. According to the website, up to 22% interest per year is possible.

With the currently available credits two projects are actually listed with 22% p.a., which are however already funded. The other available credits are also not uninteresting with 17 – 21.50 % interest per year. On the homepage they currently advertise with an average interest rate of 19.45% p.a..

Before we take a closer look, let’s take a look at the basic data on investing with Envestio.