Janet Eaton and Will Schofield have been Bondholders for 8 years. But it would have been much longer if they had realised when they first heard about HPB just how much it had to offer them.
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...
Jill and Stephen Wilson have been working as gardeners at St Brides for the past seven years.
Robert Ireland knew he would have to make time for holidays – all too often sacrificed on the way to business success. The Holiday Property Bond proved ideal...
The winter was fast approaching, the evenings drawing in. Time to consider an autumnal retreat to warmer climes with a round or four of golf added for good measure.
Norfolk is a county of wide open spaces, expansive skies, few (but friendly!) people, and much to see, both natural and manmade.
The joys of hotel living, HPB-style
“As soon as we had taken our first week with HPB, we realised just how liberating this style of holiday was going to be for us. No more worries about the standard of the accommodation.”
Recession! Redundancy! Retirement! These three words were not on the agenda when Keith and Suzanne Scrivener first joined the Holiday Property Bond.
On two recent HPB holidays, Bondholders Hugh and Kathleen Hackett really discovered what HPB’s ethic of service and customer care really means.
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.
“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."
The summer has been great in many ways – but the British weather has been inconsistent. That’s why this year, our thoughts are turning to where to go to grab a bit of early autumn sun.
Bondholders John and Judith Heath enjoy holidays for all seasons, thanks to HPB
Wherever it develops a new site, the Holiday Property Bond is committed to ecological sustainability and wildlife conservation. Both can only enhance the holiday experience!
Christmas and New Year in Britain are hard to beat. But there comes a point – usually in February – when yet another cold, dark day is just too much.
Bondholders can now discover Dorset's famous Jurassic Coast with geologist and fellow Bondholder Chris Wilson.
HPB Bondholder and journalist Charles Rae recounts a rather special villa holiday to Physkos – HPB’s villa and apartment complex in Turunç, Turkey.
Benoit Laurent started work at Constant in 2002 and Thierry Rongère in 2003.
To the HPB complaints department: Where were you when we needed you? Now the kids keep stealing our points!
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...
“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
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
Belgian Bondholder celebrates cycle of life with HPB
As Bondholders John and Judith Heath discovered, getting on their bikes added a welcome new dimension to their holiday...
Bondholders Margaret and David Paul write about their return visit to Constant, HPB’s idyllic private hamlet in the Dordogne.
Merlewood, a Grade II-listed Victorian mansion with commanding views over Grange-over-Sands and Morecambe Bay, provides a perfect base from which to explore the southern Lake District.
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.
Bondholder Eleanor Wragg makes the most of a short stay at the Bond’s Beaumaris home…
“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
For Rupert and Emma Checkley the Holiday Property Bond means one thing (for now!): great skiing.
When the Littlefair family set out for a leisurely winter break, they didn’t expect the heavy December snowfall. Mary Littlefair tells you how their break turned out to be a memorable success.
The Dordogne boasts some of France’s most attractive countryside, with gentle wooded slopes, rich farmland, wide boulder-strewn rivers and enchanting fairytale castles.
Wildlife photographer Andy Davies runs various courses throughout the year for Bondholders, but a highlight must surely be the snorkelling excursion to watch puffins and other seabirds underwater.
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.
Consultant in Lupton Fawcett LLP, a firm of solicitors in Leeds, John Eaton was one of the first investors in the Holiday Property Bond.
HPB’s Norfolk home is within a comprehensive leisure complex overlooking the lakes and fairways of not one but two 18-hole championship golf courses.
It’s fair to say that the Holiday Property Bond did not come into the world bristling with eco-credentials; 1983 was a very different time, after all.
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
Keith and Jennifer McCartney became Bondholders in 2001 – and consider it one of the best moves they ever made.
HPB's Activity Clubs: fun in the sun for the kids; and a chance for the grown-ups to catch their breath!
During their decade as Bondholders, Keith and Jennifer McCartney have been keen proselytisers on behalf of the Holiday Property Bond.
How HPB helped landscaping consultant Frankie Shrapnel to ‘expand her gardening vocabulary’.
Christopher Lloyd believed that winter’s main gardening task was to sit by the fire and read seed catalogues.
Bondholders Tim and Diane Beard just love the flexibility of spending a relaxing long weekend at The King’s Arms in the Yorkshire Dales or Ivy House in the Lake District.
For Bondholder Jon Pidgeon, Santa Rosa proved a perfect place to relax and explore the magical island of Lanzarote.
With his passion for nature and in-depth knowledge of the region, Arthur is delighted to tell anyone who’ll listen the tale of the Trossachs, and the natural wonders to be found there.
"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.
Bondholder Diana Levett shares her experience of the Holiday Property Bond - where fantastic holidays come as standard...
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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.