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HPB provides holidays for life. It is however, an investment product so your capital is at risk. Read "How it works" for a summary of the principal risks and benefits.
As the Holiday Property Bond is an investment product we want you to understand its risks as well as its benefits.
Please view "How it works" for a summary.
The Holiday Property Bond was founded in 1983 as a unique idea, a life assurance bond linked to a portfolio of top quality holiday properties and which allows its investors to holiday rent-free in all its properties for life. Since then, it has attracted more investors every year, bringing the current total to well over 41,000.
As at 30th June 2015, HPB had net fund assets of over £275 million. It has no borrowings, and never has had. It also has an independent trustee, HSBC Trustee (Guernsey) Limited to whom your investment will be payable.
As HPB is an investment product you need to understand the principal risks as well as the benefits. These are summarised in How HPB works at the bottom of the website.
There are currently over 1,400 wholly owned HPB properties in 35 fabulous locations in 13 countries across Europe – including 16 locations in the UK – and the number continues to grow.
HPB has a knack for choosing unforgettable locations, such as the sun-drenched Algarve, the majestic Highlands of Scotland, the stunningly beautiful Aegean coast of Turkey and the picturesque Cotswolds. As Bondholders you can holiday in any of our holiday homes, in any location, at any time of year – and there are no exchange fees to pay.
HPB's holiday benefits are provided through a Holiday Points system, in which each £1 of your initial payment entitles you to one Holiday Point every year. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, the number required depending on the location, property size and season.
Your holiday benefits don't just last for your own lifetime – in due course you can pass your Bond on to your children and grandchildren as a family heirloom for them to enjoy or cash in if they prefer.
That depends on how much you choose to invest, when you want to go away, and what kind of properties you want. Many Bondholders are able to get away on holiday three, four or five time a year – especially as they can benefit from a wide range of special offers, such as short-notice Points free holidays and concessionary long-stay holidays at particular locations.
And we can even arrange your holiday travel. As a Bondholder you can make all your travel arrangements – including flights, ferries, insurance and car hire – through the HPB Travel Club, our dedicated, ABTA-bonded travel agency. Our experienced, knowledgeable staff will make the going easy.
You can look forward to the same level of high quality holiday entitlement for the whole of your lifetime, no matter what happens to inflation. That is because your Holiday Points allocation is re-valued at least once a 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.
HPB holiday homes range in size from modest one-bedroom apartments to big, family-sized villas. So whether you are holidaying as a couple, or bringing the whole family, there are properties to suit you. You can also invite friends to come on holiday with you and share your HPB accommodation. There is suitable accommodation for accompanied wheelchair holidaymakers and other mobility friendly properties. The Holiday Property Bond's largest single investor is the RAF Disabled Trust.
All UK locations have 'pets welcome' properties (except for our hotels and Barnham Broom), as do five of the overseas locations.
Wherever you go to an HPB location, you can expect a consistently high standard of comfort and service. All our villas, apartments and cottages are fully self-contained and fitted and furnished to high, modern standards. And no matter where you choose to go on holiday, you will arrive to find that your property has been freshly cleaned and prepared for your arrival. In 2015, over £3.6m was spent on refurbishing, maintaining, and improving HPB's existing properties.
HPB properties are set in their own well-cared-for grounds, and most have facilities such as swimming pools, saunas, games rooms and tennis courts on site. Some of our locations also have their own restaurant.
HPB is more affordable than you may think.
The minimum initial payment is just £5,000. You can apply for an interest free loan of £3,000, repayable over 12 months, to get you started. How much you should invest depends on your circumstances – in particular your holiday requirements and preferences. HPB’s Holiday Points system is designed to be highly flexible and one of our representatives can assess how best it could work for you and therefore how much you should invest. Contact a representative
After that, all you pay when you book your holiday is a no-profit user charge which covers the actual expenses of running, maintaining and refurbishing the properties.
We are so confident that you will be delighted by the quality of HPB holidays that we are prepared to make you an 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 the first holiday at any HPB owned property and which is taken by at least one of the Bondholders themselves. Full details of the offer will be provided before you invest.
HPB has a simple attitude to salesmanship. We believe the facts about the Bond speak for themselves. We offer you three ways to find out about the Bond in your own way and at your own pace.
You can send for our full colour brochure, you can have a chat with one of our representatives and ask him or her your questions or why not visit an HPB holiday location here in the UK, where you can see for yourselves what HPB has to offer.
How HPB works: HPB is designed to give you and your family holidays for life. To achieve this, it is structured as a life assurance bond investing, after product charges, in properties and securities. Properties are booked for a no profit "User Charge" and Points issued with the Bond. There is a quarterly fee of under thirty pounds linked to RPI, with all other management fees paid from securities. You may cash in after two years at a value linked to that of the properties and securities but you may get back less than 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. Minimum initial payment £5,000. No medical examination required. HPB is available exclusively through HPB Management Limited ("HPBM") who will only charge for their services if you invest.
This advertisement is issued by HPBM registered at HPB House, Newmarket, Suffolk, CB8 8EH. HPBM is authorised and regulated by the Financial Conduct Authority and is the main UK agent and the property manager for HPB, issued by HPB Assurance Limited ("HPBA") registered in the Isle of Man and authorised by the Financial Services Authority there. Holders of policies issued by the company will not be protected by the Financial Services Compensation Scheme if the company becomes unable to meet its liabilities to them but Isle of Man compensation arrangements apply to new policies. The Trustee of HPB is HSBC Trustee (Guernsey) Limited registered at Park Place, Park Street, St Peter Port, Guernsey, Channel Islands, GY1 1EE. The Securities Manager is Stanhope Capital LLP registered at 35 Portman Square, London, WH1 6LR. HPBM and HPBA are part of the HPB Marketing Group and are not independent of each other. HPBM is able to advise only on HPBA's products.