What type of investor are you?
UK financial regulation requires us to confirm your eligibility before we can share this investment with you. It takes under a minute.
This page is a financial promotion for bonds issued by Virtu Developments Limited, communicated only to certified high net worth and sophisticated investors under the FSMA 2000 (Financial Promotion) Order 2005. It has not been approved by an FCA authorised person, and relying on it may expose you to a significant risk of losing all money invested. The FSCS and Financial Ombudsman Service do not apply.
This does not commit you to an investment. It is a requirement to ensure you are a suitable investor.
High net worth investor statement
In the last financial year, did you have:
A) An annual income of £100,000 or more? (Excluding one off pension withdrawals.)
B) Net assets of £250,000 or more? (Excluding your home, any loan secured on it or equity released from it, your pension, and rights under insurance contracts.)
Your declaration is recorded with a date and time stamp.
Self certified sophisticated investor statement
At least one of the following must have applied to you in the last two years. Select all that apply:
Your declaration is recorded with a date and time stamp.
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This promotion is restricted by UK financial regulation.
This investment is only open to certified high net worth or sophisticated investors, and we're not able to share the details with anyone outside those categories. Verta does offer a range of direct property investments that aren't subject to these restrictions, and you're very welcome to explore those instead.
Earn 12 to 18% fixed annual interest from UK property development.
A two year corporate bond issued by Virtu Developments Limited. Contractual quarterly income, secured by a debenture and a personal guarantee of up to £10 million, from £25,000.
- Fully hands off. No tenants, no management, no property to run
- Rate fixed at subscription and unchanged for the full term
- Security package held by an independent Security Trustee
- 40+ years of delivery experience behind the developer's team
Unregulated investment · Capital at risk · Not covered by the FSCS · Illiquid until maturity
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Everything you need to review the bond: returns, security, legals and current availability.
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Your return, by investment tier.
The rate is fixed at subscription, paid quarterly in arrears, and unchanged for the full term. The more you invest, the higher your tier.
All the returns of development.
None of the work of ownership.
The bond gives you exposure to developer economics without buying, financing or running a property.
Fully hands off
No tenants, no voids, no maintenance calls, no letting agents. Income lands quarterly while you do nothing.
No stamp duty
You're subscribing for bonds, not buying property, so there's no SDLT and no 5% additional property surcharge.
Developer grade rates
Rates priced off development margins, not rental yield. That's how the bond pays 12 to 18% while a typical buy to let nets 5 to 7%.
Income from day one
No build out wait, no tenant search, no rent free periods. Interest accrues from subscription and is paid quarterly in arrears.
No service charges
No ground rent, no block management fees, no insurance premiums, no surprise major works bills eating your return.
No mortgage, no lender
No finance applications, stress tests, arrangement fees or rate risk. One subscription, one fixed contractual rate.
Low entry point
From £25,000, a fraction of a buy to let deposit plus fees, with further investment in £5,000 increments.
Clean exit built in
Capital repaid at maturity. No estate agents, no chains, no conveyancing, no waiting for a buyer.
Comparisons are illustrative. The bond carries different risks to direct property ownership: it is unregulated, illiquid until maturity, and capital repayment depends on the issuer meeting its obligations. Tax treatment depends on your circumstances. Take your own advice.
What your capital could earn.
Slide to your investment level. Your tier and rate update automatically.
Illustration only. These are contractual terms, not a forecast or guarantee. Interest is gross of any applicable withholding tax and assumes no default or early repayment. Capital is repaid separately at maturity, subject to the Company meeting its obligations. Capital at risk; you may get back less than invested, or nothing.
Three layers of security, held independently.
A structured security package granted in favour of an independent Security Trustee acting on behalf of bondholders. It is intended to provide additional routes of recourse, though not a guarantee of repayment.
Debenture over the issuer
Granted by Virtu Developments Limited over its assets and undertaking, held by the Security Trustee for bondholders.
Personal guarantee up to £10m
From David Adam Harrison, Managing Director, supported by a schedule of personally held assets.
Independent Security Trustee
Blue Water Trustees Limited holds the security and would oversee any enforcement in bondholders' interests. Part of the Bluewater Capital group, whose public materials state £4bn+ deals structured.
Virtu Developments Limited.
A North West residential developer and regeneration specialist headquartered in Cheadle, Cheshire. Schemes are delivered through wholly owned SPVs, ring fencing project level risk, with construction delivered in house rather than outsourced. That gives the Group control over cost, programme and build quality.
"Starting out on site at 16, I've worked through every stage of the industry, learning hands on, building relationships, and constantly pushing for better. Today we deliver high quality, design led homes across the North West and beyond."
Live across the North West's strongest markets.
A selection of completed and current developments. The Group targets schemes of 20 to 150 units in medium to high value areas across the North West, a region where Savills' latest forecast projects house price growth of 25% over the five years to 2030, among the highest of any UK region and well ahead of the 18.5% UK average.
Parkwood Mill, Huddersfield
Grade II listed cotton mill conversion. 95 units across two mills plus six houses, with completion expected 2026.
Duncan Street, Salford
12 storey, 85 apartment scheme between Manchester city centre and MediaCityUK, with rooftop terraces and residents' lounge.
Carr Ellison House, Newcastle
Characterful repurposing of a landmark building into 113 apartments in a well connected setting.
Silverwood, Didsbury
An exclusive collection of converted original buildings and individually designed new homes close to Didsbury.
Blossoms Lane, Cheshire
Eight high specification homes blending modern living with village charm, close to amenities and transport links.
Delenty Drive, Warrington
Boutique development of 10 contemporary homes on the edge of the Cheshire countryside.
GDV figures as stated by the developer to illustrate portfolio breadth. They are not security for the bonds and have not been independently verified by Verta. Images are indicative CGIs. The bond's return does not depend on the performance of any individual scheme. Market forecast: Savills Mainstream Residential Forecasts, revised June 2026. Forecasts are not guaranteed.
From enquiry to Bond Certificate in five steps.
Request the pack
Receive the full information pack and legal document summaries.
Review & take advice
Read everything in full and take independent legal, financial or tax advice.
Classify & apply
Complete the classification and application forms.
AML & funds
Pass AML/KYC and transfer funds to the solicitor controlled client account.
Bond Certificate
Receive confirmation and your Bond Certificate. Quarterly income begins.
Questions investors ask.
What is the minimum investment?
£25,000, with further investment in £5,000 increments. Tiers: £25,000 to £249,999 at 12% p.a., £250,000 to £499,999 at 15% p.a., and £500,000+ at 18% p.a. The rate is fixed at subscription and paid quarterly in arrears.
How is my investment secured?
A debenture over the issuer's assets, a personal guarantee of up to £10 million from David Adam Harrison, and an independent Security Trustee, Blue Water Trustees Limited. Security is at holding company level and is not a guarantee of repayment.
How are interest payments serviced?
From the Company's wider development activity and retained profits, as a corporate obligation. Payments are not tied to any single scheme.
Can I exit early or sell?
No. The bonds cannot be transferred or sold and are designed to be held for the full two year term. The Company may repay early at its discretion, and may extend by up to one further year if required, with the same contractual interest paid during any extension.
Is this regulated by the FCA?
No. The bonds are unregulated and not covered by the FSCS or the Financial Ombudsman Service. This is why the offer is restricted to certified high net worth and sophisticated investors.
What are the main risks?
Capital is at risk; the bonds are illiquid; and they can rank behind senior lenders. Recovery in any enforcement depends on realised asset values, prior ranking debt and enforcement costs, and may be partial or nil. Read the Risk Factors in the Information Memorandum in full.
How are returns taxed?
Interest may be paid subject to UK withholding tax; your position depends on your circumstances and whether you invest personally or via a company. Nothing on this page is tax advice. Take your own professional advice.
What documents will I receive?
The full pack includes the Information Memorandum, Bond Instrument, Security Trust Deed, Debenture, Personal Guarantee and Application Form, plus a Bond Certificate post investment.
What is Verta's role?
Verta Property Group introduces this opportunity to eligible investors. We are an introducer, not the issuer or an adviser, and we do not provide investment advice.
Ready to see the full offer?
Request the full information pack and we'll send you everything you need to review the bond.
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