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…
Peter and Pam Blair became Bondholders at the end of the 1980s.
Majorca - a magnet for summer holidaymakers; but no less a draw for "out-of-season" visitors...
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!
Ordinary families, extraordinary holidays: the Bond's winning formula.
“Different age groups have different interests – and finding a holiday that appeals to all generations is not easy. Unless you’re a Holiday Property Bondholder, that is!” – Jill Robbins
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.
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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.