Joanne Davies and husband Sam Orton were typical city dwellers – but when the couple started a family, the limitations of London living became all too apparent.
Pete Chambers, heir-apparent to his father’s HPB investment, looks back on 18 years of holiday heaven – and explains why, for him, cashing in is not an option…
Think about the West Country and it's all about summer holidays - sun-drenched beaches, buckets and spades, rolling surf, picturesque little ports nestling in rocky coves and sumptuous cream teas...
The beautiful island of Madeira has it all.
Few British visitors travel to Brittany with country walking as their prime motivation.
The joys of hotel living, HPB-style
Perhaps it was the romantic view of turreted Tigh Mor or the seductive Tuscan haze of Stigliano that captivated Bondholder Jill Page. Then again there was the reassuring smile of Judith Chalmers.
HPB’s Kentish home, set in 43 acres in the heart of the serene North Downs
With little traffic and a real village atmosphere, the small resort of Turunç makes for a wonderfully secluded destination.
A carefully landscaped development with attractive walkways, terraces, ornamental ponds and patios shaded by orange trees
“With the Holiday Property Bond the choice of holiday locations is as varied as the standards of excellence are uniform.” – John Corbett
For Bondholder Irene Hrynkow, springtime in Scotland proved a magical experience, particularly the ascent of Ben A’an – small in mountain terms, but no less rewarding than its more imposing brethren.
“After sitting on an underperforming Individual Savings Account, investing in the Holiday Property Bond was a real opportunity to get some fun from my money."
To the HPB complaints department: Where were you when we needed you? Now the kids keep stealing our points!
For Hugh and Ann Craig and family, from Suffolk, their recent holiday at Le Mont de St Siméon, the Bond’s Île de France home, was all about one thing: Disneyland.
Peter and Pam Blair became Bondholders at the end of the 1980s.
“For me, the great thing about the Holiday Property Bond is its flexibility – the fact that friends, family and colleagues can use it. And use it we certainly have!” – Liz Bates
Belgian Bondholder celebrates cycle of life with HPB
Surrounded on three sides by sea – with sandy coves, rocky headlands and windswept rolling hills – the extreme western coast of Brittany, La Cornouaille, is France’s Lands End.
An exclusive holiday getaway overlooking the azure waters of the Atlantic
HPB Bondholder and journalist Charles Rae recounts a rather special villa holiday to Physkos – HPB’s villa and apartment complex in Turunç, Turkey.
Here Jonathan Broom describes how his trip to Constant became a journey of discovery through one of the most beautiful regions of France.
Standing in three acres of walled grounds, this historic HPB site is dominated by a large 14th-century red-brick house, thought to have been the original Great Hall of Blore Manor.
The pretty village of Braithwaite in the English Lake District is the location of HPB’s almost-eponymous Cumbrian home
Knowing a fellow winner when she sees one - Sue sings HPB's praises
Majorca - a magnet for summer holidaymakers; but no less a draw for "out-of-season" visitors...
1993 investor Keith Morgan looks back to holidays enjoyed - and forward to holidays to come.
"We'd 'done' self-catering holidays - and had some good experiences, but too many bad ones. We wanted 'guarantees'; and with the Holiday Property Bond, we found them" - Jan Hodghton
The Holiday Property Bond has enabled us to spend real ‘quality time’ with our children and grandchildren, surrounded by helpful staff and with all we need to hand for a great holiday.
“Wherever we go, it’s great to know that a warm welcome, comfortable accommodation and a beautiful location await us. We – and our holiday investment – are in safe hands.” – Frances Todd
The magnificent mansion of Henllys, a mile from pretty Beaumaris, was built in 1853 and looks southwards over a 150-acre golf course.
With Florence its capital, Tuscany can rightly be described as the true heart of Italy.
Bondholders Margaret and David Paul write about their return visit to Constant, HPB’s idyllic private hamlet in the Dordogne.
A fine 19th-century baronial country mansion set in 99 acres of mature parkland
HPB's Dorset home on the Isle of Purbeck
El Pueblito de Alfaix, was developed by an award-winning local architect to resemble an authentic Andalucian village.
HPB’s North York Moors home – a collection of 11 cottages set in quiet gardens with stunning views.
Tigh Mor Trossachs just got even more attractive, with the addition of 'The Lochan', HPB's very own trout lake.
The summer is over. The children have gone back to school. The windsurfers have packed their boards and wetsuits away for another year. Brittany’s holiday season is at an end.
Ordinary families, extraordinary holidays: the Bond's winning formula.
The Dordogne boasts some of France’s most attractive countryside, with gentle wooded slopes, rich farmland, wide boulder-strewn rivers and enchanting fairytale castles.
Consultant in Lupton Fawcett LLP, a firm of solicitors in Leeds, John Eaton was one of the first investors in the Holiday Property Bond.
The Park family – Iain and Sarah, and children Rosie and Danny – have been Bondholders since 2008 but their Bond has been in the family for a good deal longer than that.
Having bounced around the globe quite a bit, Ken Sugars and wife Sue came home to East Yorkshire. But was that the end of their travels? Far from it!
“We’re not what you might call ‘hobby’ people. We’re not particularly keen walkers, or avid birdwatchers. We just love to see the world. And the Holiday Property Bond makes it possible.” – Ruth Penny
“Every Holiday Property Bond site offers something different – but they ALL offer the opportunity to take your children on holiday in a safe, secure environment.” – Rob Vines
HPB's Activity Clubs: fun in the sun for the kids; and a chance for the grown-ups to catch their breath!
Wales has enjoyed (or endured) a somewhat tempestuous relationship with royalty down the centuries – but Pembrokeshire marked the Queen’s Diamond Jubilee in real style.
205 properties, near the exclusive Costa Teguise on the Lanzarote’s eastern side
Keith and Jennifer McCartney became Bondholders in 2001 – and consider it one of the best moves they ever made.
Here, set on a gentle hillside near the village of St Siméon – some six miles east of Coulommiers – is Le Mont de St Siméon.
Last Easter HPB ran its Activity Club at El Balcón de Santa Ana, La Gomera. John Scholefield grabbed a week’s holiday with his family at our Canary Island home.
Much thought has gone into the organisation and continuing development of the Holiday Property Bond - which is why the Bond is such a success for so many.
Situated approximately three miles from the seaside town of Carvoeiro, in the centre of the Algarve, Rocha Brava is a large and mature holiday development.
“Whether it’s a family holiday you’re after, or a get-together with like-minded friends, HPB has a ‘vacation location’ to suit.” – Gordon Murray
"My mum's memory lives on through HPB." That, at least, is the opinion of Jane Bentham, who 10 years ago with her sisters inherited her mother's Bond.
With the UK summer but a memory, now is surely a time for Bondholders to consider flying south – to one of the Bond’s Spanish island resorts.
HPB’s imposing Queen Anne mansion, set in nine acres of grounds
Jill and Stephen Wilson pass on the benefit of their experience having looked after the gardens at St Brides for several years and give some simple tips on how to become an eco-friendly gardener.
In 1989 the Holiday Property Bond was six years old, and developing fast.The future looked bright – but something (or someone) was missing: a ‘face of HPB’…
Have you thought about having an Private Tour at one of our HPB holiday locations in the UK?
Why not request our Tell Me More pack including our full portfolio?
If you have received a letter from us, this should include your login details - which are your surname/email address and postcode.
Login now for your personal experience:
Register now for access to all of the above great features
Take out a Holiday Property Bond before 31st October 2024, and not only will you be giving yourself, your friends and your family a lifetime of top-quality holidays. You, and the family, could also be spending a day in a winter wonderland; and meeting Father Christmas himself
For a party of up to six (a mix of adults and children), this day-trip to Lapland includes snowmobiling, husky sledding, and a reindeer sleigh ride – plus the highlight: a private family meeting with Father Christmas, where you can tell him of your Christmas wish list!
After an overnight stay at Birmingham airport’s Novotel (parking included), your flight to Finland’s northernmost region departs early in the morning of 16th December – to give you and the family as much time as possible enjoying Lapland’s Christmas magic. And after your day playing in the snow you’ll return tired but happy, to another night in a comfortable hotel bed before heading home with a boot-full of happy memories (and perhaps a gift or two).
Meals are provided on the outbound and inbound flights, plus a hearty lunch in Lapland, thermal snow suits, winter boots – everything you need to keep warm and get the most out of your day.
Invest before the end of October for your chance to win this fantastic prize. And don’t forget to keep 16th December free. Good luck!
Prize Draw rules 1. Invest by 31st October 2024 and you will be entered into the draw. 2. The winner will be drawn by a solicitor. 3. The winner will receive the prize of a day trip to Lapland for a party of six (mix of adults and children) on 16th December 2024 from Birmingham Airport. Return flights with hot meals, a range of activities and overnight accommodation and parking at Birmingham Airport at the start and end of the break is included. The trip is not suitable for infants under 2 years old. 4. The winner will be drawn from those who invest by 31st October 2024 and existing Bondholders who top up their Bond or refer friends. 5. The prize can only be claimed by those who are 18 or over and is not available to HPB employees, associates or those in their households. 6. No cash alternative available. 7. The winners will be notified by 22nd November 2024.
The no-profit user charge is all you pay when you book your holiday. It covers the actual costs of servicing the properties, including housekeeping, laundry and maintenance of the many free-to-use-onsite facilities. It is charged per property - NOT per person. And it does not vary with the season: instead, the user-charge remains constant all year round.
For example: A week for two in the Scottish Highlands could cost around £324 user charge, including VAT*, even at the height of the season.
A week for a party of eight in a four bedroom villa at Physkos, Turkey in August could cost around £577 in user charge
In regular surveys, Bondholders tell us how happy they are with HPB holidays. That's why we feel confident in giving you the extra reassurance of our unprecedented 'Money Back Promise':
If you take your first HPB holiday within three years of investing and are not, for any reason, entirely happy, you can cash in your HPB investment within 14 days of your return.
Whatever the encashment value, the parent company of the issuer of HPB will make up any difference so that you get back the full amount of your original payment, including charges.
This offer applies to a holiday at any HPB owned property which is taken by at least one of the Bondholders themselves.
Full details of the offer will be provided before you invest.
If you do not use our "Money Back Promise" offer explained in "How HPB works", you may cash in after two years at a value linked to that of the properties and securities but you should not expect to get back the full amount you paid because of charges and changes in the value of HPB’s properties and securities. In exceptional circumstances cashing in may be deferred for up to twelve months.
HPB's holiday benefits are provided through a Holiday Points system. Each £1 you invest (including any adviser charge) adds one Holiday Point to the allocation of Holiday Points that you receive every year for as long as you hold your bond. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, with the number of Holiday Points required depending on the location, size of property and season.
Here are some examples of how it works in practice (2022 rates): For two people, holidaying out of season: A week in Stigliano, Tuscany from 1,530 points A week in The Trossachs, Scotland from 2,430 points A week in St Brides Castle, Pembrokeshire from 2,260 points
And in the height of summer: A week in Rocha Brava, Portgual from 8,190 points A week in the Lake District from 9,760 points A week in Le Mont de St Siméon, France from 14,180 points
If you have a minimum qualifying investment you can also book Short Notice Points Free holidays, subject to availability. Bookings can be made up to 28 days in advance for UK holidays and up to 56 days in advance for overseas. Even if you do not have a qualifying investment, you can still book Short Notice Points Free holidays up to 21 days ahead in the UK and up to 42 days ahead overseas.
Inflation protection: Your Holiday Points allocation is re-valued every year in line with the cost of providing additional holiday accommodation for new investors. This means your holiday accommodation booking power is fixed and protected against inflation. So you can look forward to top quality holidays for life.
A. The way the Bond works is simple. Families like yours invest from £5,000 for exclusive access to a portfolio of over 1,500 top quality villas, cottages and apartments in 32 locations across 13 European countries, including over 600 properties in 19 locations in the UK. For each £1 invested you will receive one Holiday Point each year which you can use to book the properties. And when staying in them you do not pay a commercial rent, just a no-profit user charge covering actual running, maintenance and refurbishment costs. This charge is level throughout the year so there are no high season premiums. The average charge for a studio is around £360 and around £540 for a two bedroom property, for a week. Larger properties are also available. This no-profit user charge is only payable when you want to go on holiday. Your only ongoing commitment is a quarterly fee under £38 (that is around £150 a year), linked to RPIX.
A. As we attract more investors the more properties we will add to the portfolio – increasing your holiday choice still further.
A. For life if you wish – the holiday benefits last as long as you hold the Bond. In due course you can pass it and the holiday benefits to your children and grandchildren, as many of our earlier investors have already done. If, however, at some point you and your family no longer wish to holiday with us you can surrender your Bond back to the company after two years or more (subject to deferral in exceptional circumstances). You will not get back the full amount you invested, although we would hope that you will have had some wonderful holidays. What you do get back will reflect initial charges (25%) taken before your money is invested in the HPB fund of holiday properties and securities. The fund itself also pays annual charges of around 2.5% of its net assets at cost, calculated monthly, as well as overheads. The value of the fund’s properties and securities can also go up or down and so, like most investments, your capital is at risk.
A. No. HPB is available exclusively through HPB Management Limited.