What are the Bonds?
Why should I invest in the Bonds?
A subscription for the Bonds should enable you to potentially achieve:
a) a higher return than you are likely to receive from your bank account, which reflects the additional risk. Please see the Section headed Risk Factors to find out more about the risks associated with subscribing for the Bonds;
b) to potentially diversify your investment portfolio by investing in another asset class, if you do not already have similar debt instrument and have other investments;
bond terms with a fixed interest rate offering of 8%.
Who can invest in the Bonds?
Individuals aged 18 or over or firms, trusts, and foundations based in the UK and other select overseas territories, except the USA.
You must pass any anti-money-laundering and due diligence checks that we run and be one of the following types of Bondholders:
How much Interest can I expect, and when is Interest paid?
The terms of the Bonds are set to pay interest at a fixed rate of 8% per annum. Interest will calculated on a simple basis and paid to each Bondholder on the Redemption Date or repurchase of the Bond.
A fee by our compliance partner ‘Northern Provident Investments’ will be deducted from interest payments due to Bondholders. The fees payable are detailed in the Azurite Terms and Conditions. The fee will be at a rate of 0.5% per annum of the amount of Bonds subscribed for
How do I get started?
Please refer to pages 12 of this brochure to see the investment process.
As soon as you have finished the investment process, you will be sent a confirmation of your subscription for the Bonds. Within 14 days, a copy of your Bond certificate representing your holding of Bonds will be available to view. You will be reminded by your investor relations manager when it is ready.
What currency do you take?
We can take £ Sterling or € Euro
How much can I invest?
Any amount of Bonds can be purchased, with a minimum payment of £100,000
What are the risks of subscribing in the Bonds?
Who is responsible for making Interest payments to me?
Azurite (or Northern Provident Investment on its behalf) is responsible for ensuring that interest is being paid to Bondholders. Interest payments are paid directly into the Bondholder’s Account.
Am I eligible to use the Financial Ombudsman Service (FOS)?
In the first instance of any concerns that you may have with the Company please contact our customer services team at firstname.lastname@example.org so that we can investigate your complaint fully. Please ensure that you include all of the following information: your full name and address, your investment details, what has happened / gone wrong, and how you would like us to put it right. A member of the team will acknowledge receipt of your email and will investigate the matter thoroughly before responding fully within five working days.
In the event you feel that we have not resolved your concern satisfactorily, you may be entitled to complain directly about the Company, or our compliance partner ‘Northern Provident’ (which has approved the Memorandum) for the purpose of FSMA 2000),the operator of the Client Account, directly to the Financial Ombudsman Service. For more detail on the Ombudsman and their eligibility criteria see their website.
Can I get my investment back early?
The Company pays you a fixed rate of interest on the basis that, except in exceptional circumstances (see ‘What happens to my Bonds if I die?) your money stays invested for the whole of the agreed term. It is possible to offer Bonds for sale to other Bondholders via the Website. We will look at early redemption applications on an exceptional basis and will endeavor to help Bondholders where possible but it is important that you understand that you are committing your money for the term of the Bond you select. This is also covered in the Risk Factors section.
What happens to my Bonds if I die?
If you die while owning Bonds, your investment can be transferred to an authorised person acting on behalf of the estate. If you are acting on behalf of the estate of a deceased investor who owns Bonds, please email
Can the Company prematurely redeem the Bonds?
The Company has a right to redeem the Bonds prior to their Redemption subject to the payment of principal Interest outstanding on the Bonds up to their Redemption Date.
What happens if I change my mind?
You have the right to cancel your investment account within 14 days after the date you receive the notice from us to confirm that you have had your application accepted. After this, you generally cannot get your investment back until the end of the term (see: Can I get my investment back early?). To cancel within the first 14 days, please email, telephone or write to Northern Provident Investments in accordance with the Azurite bond Terms and Conditions.