The Holiday Property Bond

... the flexibility of villa rental and many of the advantages of direct holiday property ownership...

... almost half of Bondholders go on to increase their original investment.

HPB's assets are controlled by an independent Trustee...

A uniquely flexible alternative to fixed week timeshare or villa ownership, the Holiday Property Bond (HPB) is a life assurance bond which invests, after initial charges, in a combination of securities and carefully chosen holiday properties throughout the UK and Europe. By securing a financial interest in HPB's entire portfolio of villas, cottages and apartments, investors (Bondholders) and their family and friends are entitled to use any HPB property at any time rent free. It is a privilege they can pass on - without charge - to their children and grandchildren.

HPB seeks to provide the best of both worlds - the flexibility of villa rental and many of the advantages of direct holiday property ownership - whilst sparing Bondholders the associated maintenance and managerial complications.

A minimum initial investment of just £5,000 and an RPI linked quarterly fee of under £30 (including VAT) enable Bondholders to book any available HPB property when they choose. In return for your investment you receive a number of Holiday Points each year, which you can exchange for your holiday accommodation. How many Holiday Points you receive each year depends on the size of your investment (£1 = 1 Holiday Point) and the number is reassessed at least once every year in line with the cost of providing additional holiday accommodation for new investors. This means that your holiday accommodation booking power is safeguarded for the lifetime of your investment. There are no restrictions on when you can go on holiday, where, or what kind of holiday home you can book. And you won't pay a penny in rent for your holiday - just a no-profit user charge when you book your holiday to cover the actual expenses of running the properties. All other management costs are met from the quarterly fee and that part of the HPB funds invested in securities.

Unused Holiday Points can either be rolled over for up to one year, or passed to friends or family members. And Short Notice breaks - and holidays at any of HPB's separate Tenancy portfolio of rented properties - are also available free of Holiday Points.

When considering HPB you should know that in its promotion and marketing, HPB Management Limited is authorised and regulated by the Financial Services Authority. For more information on this and other safeguards please click here. And all new investors benefit from our unique "Money Back Promise". Apart from the ability to encash under the "Money Back Promise", you can encash your HPB investment at any time after two years at a value linked to that of the related properties and securities. However there may not be a profit (and may be a loss) due to initial charges and fluctuations in asset values. In exceptional circumstances encashment may be deferred for up to twelve months. In reality the majority of Bondholders prefer to retain their HPB investment for the long term, before passing it and the related holiday benefits on to their children or grandchildren. And almost half of Bondholders go on to increase their original investment.

HPB's assets are controlled by an independent Trustee, HSBC Trustee (Guernsey) Limited which is registered at Park Place, Park Street, St Peter Port, Guernsey, Channel Islands, GY1 1EE. The Securities Manager is Baillie Gifford & Co registered at Calton Square, 1 Greenside Row, Edinburgh, EH1 3AN.

The HPB "family" includes HPB Management Limited (HPBM) registered company number 1581593, of HPB House, Newmarket, Suffolk, CB8 8EH which is authorised and regulated by the Financial Services Authority. HPBM is the main UK agent for HPB, itself issued by HPB Assurance Limited (HPBA) which is registered in the Isle of Man and authorised there by the Insurance & Pensions Authority. Accordingly, holders of policies issued by this company will not be protected by the Financial Services Compensation Scheme if the company becomes unable to meet its liabilities to them. Instead Isle of Man compensation arrangements apply to new policies. There is also the Property Manager, HPB Management (International) Limited (HPBMI) registered at Ground Floor, Neptune House, Marina Bay, PO Box 67, Gibraltar.

HPBM, HPBA and HPBMI are part of the HPB Marketing Group and are not independent of each other. HPBM is able to advise only on HPBA's products.

The no-profit user-charge is all you pay when you book your holiday. It covers the actual costs of servicing the properties, including maid service, laundry, and maintenance of the many free-to-user on-site 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 - at the height of the season - could cost around £360 user charge, including VAT.*
A week for a party of eight in a four bedroom villa at Physkos, Turkey, in August could cost around £530 in user charge.*

* Prices for 2012 and for Turkey based on an exchange rate of £1 = 2.90 Turkish Lira (may vary).

Our unique offer

Over 40% of new investors first hear about HPB from existing investors, showing how enthusiastic people who know HPB are. And, in regular surveys, Bondholders tell us how happy they are with HPB holidays. Consequently, we feel confident in making this unprecedented offer:

If you take your first HPB holiday within three years of investing and are not entirely happy, you have the right to encash your HPB investment within 14 days of your return.
Whatever the encashment value, HPB Holdings Limited, the parent company of the HPB Group, will make up any difference so that you get back the full amount you originally invested.
This applies to a holiday at any HPB-owned property which is taken by at least one of the Bondholders themselves.

You will receive full details of the offer before you invest.

Our independent Trustee

As an investor in the Holiday Property Bond, your interests are further protected by: HSBC Trustee (Guernsey) Limited, which controls all HPB's assets and to whom your payment is made when you invest.

The Holiday Property Bondholders' Committee

This independent 'watchdog', the majority of whose members are democratically elected by investors, overseas the management's activities, from the selection of new locations to resolving holiday complaints.

Financial Services Regulation

In marketing the Holiday Property Bond, HPB Management Limited is authorised and regulated by the Financial Services Authority, which gives you important rights and safeguards. We and our representatives have to comply with all prevailing consumer protection legislation and the highest professional standards.

A 30 day 'cooling off period'

Even when you have invested in the Holiday Property Bond, you have 30 days to change your mind without penalty, as required by law.

HPB's holiday benefits are provided through a Holiday Points system, in which each £1 invested entitles you to one Holiday Point each year. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, and the number of Holiday Points required depends on the location, property size and season.

Here are some examples of how it works in practice:

For two people, holidaying out of season:
A week in Barnham Broom, Norfolk from 1,450 Points
A week in Austria from 1,530 Points

And in the height of summer:
A week in Majorca from 8,360 Points
A week in Tuscany from 9,970 Points
A week in the Lake District from 8,130 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 accomodation 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.

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You can choose from a large - and expanding - choice of destinations

There are already over 1,300 wholly owned HPB properties in over 30 locations throughout the UK and Europe. And as more people invest, more first-class properties will become available. There are also around 200 Tenancy properties (privately owned holiday homes managed by HPB) in over 35 locations, a portfolio which is reviewed every year.

For an explanation of the Holiday Property Bond see "How it works".

High standards and quality

Every HPB owned property is fitted and furnished to high modern standards. You can be sure that, whichever of the properties you choose for your holiday, you will not be disappointed.

Your level of holiday entitlement is secured at today's prices

HPB's holiday benefits are provided through a Holiday Points system which protects your holiday accommodation booking power against inflation.

Your HPB entitlements last a lifetime - and can be passed on to your family

Not only will you be able to enjoy superb rent free holidays for the whole of your life but you can 'gift' your HPB investment to your children or grandchildren in due course so that they go on enjoying its benefits.

As an investor, you benefit from important safeguards

These safeguards include an independent trustee to control all HPB assets; and statutory regulation of HPB's marketing by the Financial Services Authority.

"Money Back Promise"

We are so confident that you will be delighted by the quality of HPB holidays that we are prepared to make you this unprecedented 'Money Back Promise'.

There is no need to make a big commitment

Many new investors start with a modest investment - the minimum is £5,000. Then after they have taken one or two HPB holidays, they often decide to 'top up' their investment to increase their holiday entitlements.

You can invest from capital or income

While HPB is designed as a lump sum investment, you can apply for a finance plan which allows you to spread the cost over ten years.

You will receive full details with our information pack.

There's a great sense of 'community'

Bondholders like the club atmosphere of HPB locations. Bondholders tend to be like-minded and get on with each other. And we keep Bondholders up to date with new developments and new ideas through a regular free Bondholders' magazine, The Bond.

A dedicated ABTA-bonded travel agency can take care of the arrangements

As a Bondholder you can make all your travel arrangements through the HPB Travel Club, our fully ABTA-bonded travel agency dedicated to serving the needs of Bondholders.

I confirm I have read and understood HPB's data policy -

Our full colour Information Pack explains the benefits and privileges that are currently enjoyed by over 40,000 families just like yours. And the accompanying preview DVD showcases many of the glorious holiday destinations that could be yours to enjoy - rent free for life.

Remember, there's no obligation - and no sales person will visit (unless you ask them to). Just complete and submit this form.

Request a brochure by 29th February 2012 for your chance to win in our £2,500 John Lewis Prize Draw. Click here for details.

For an explanation of the Holiday Property Bond see "How it works".

or call free on
0800 230 0391

By responding, you agree to us sending you further information by letter, SMS, telephone and/or email. Other members of the HPB group may also contact you in any of these ways with other holiday offers.

If you would prefer them not to, please tick here

All brochure requests received by 29th February 2012 will be entered into our John Lewis Prize Draw to win 7 individual prizes totalling £2,500.

1st prize £1,250, 2nd prize £750, plus 5 x £100 of John Lewis Gift Vouchers to be won!

No purchase necessary. Drawn 30th April 2012. Winners notified, winners list available 11th May 2012. Claim prizes by 30th June 2012. Cash alternative may be offered. Those under 18, HPB investors, employees, associates or those in their households are not eligible. One entry per household. Full rules on request.

Many thanks for your interest in the Holiday Property Bond.

You will receive your full-colour Information Pack and DVD within the next few days.

Statement of intent

The purpose of this privacy statement is to provide you with details of how HPB Management will collect, store and use the personal data you supply. Personal data is information which relates to identifiable living individuals.

It is the stated policy of HPB Management that we will act in accordance with current legislation and aim to meet current best practice with regard to the processing of personal data.

Collection of personal data

In using this site you may provide certain personal data to HPB Management which we will compile and process in accordance with this privacy policy.

Use of personal data

The names and addresses of investors in the Holiday Property Bond are never passed or sold to any unrelated third parties.

As an investor in the Holiday Property Bond, you will regularly receive mailings from HPB Management Ltd concerning your investment in the Bond, its properties, your HPB holidays and other related matters.

Bondholders names and addresses are only passed to our associate companies, HPB Travel Club Ltd and Stately Holiday Cottages Ltd. Bondholders then receive mailings related to travel services, theme weeks, rental properties and any other offers which the companies believe may be to the benefit of Bondholders. However, if you do not wish to continue receiving communications from HPB Travel Club Ltd or Stately Holiday Cottages Ltd, you should write to the address below and your name will be removed from their file:

James Boyce, Managing Director,
HPB Management Ltd, HPB House, Newmarket, Suffolk, CB8 8EH

Storage and correction of personal data

HPB Management will retain the personal data it holds unless and until you send us notice that you no longer wish us to retain this data. We are obliged to supply you, on request, with a copy of the personal data we hold about you. If you wish to exercise this right, please contact James Boyce at the above address for more details. Should you discover any inaccuracies your personal information, please notify us as soon as possible at the same address and we will correct our details. Where data is no longer required, we will ensure that it is disposed of in a secure manner.

Use of Cookies

Cookies are small pieces of information that a website sends to your computer for record-keeping purposes, which are then stored on your computer for a certain amount of time. Cookies make web-surfing easier for you by saving your preferences. Cookies do not tell us your individual identity unless you have chosen to provide it to us. We never save passwords in cookies. The use of cookies is an industry standard and, as such, you will find that most major websites use them.

Cookies used in the pages accessible to the general public are ONLY for tracking the original contact and are automatically deleted after six months if no return visit is made. In the Bondholders only section, cookies are ONLY used to attach a Bondholder number to any forms that may subsequently be filled in. Cookies used on this section of the site are only valid for the user session and self delete once the user comes out of the HPB website. If, however, you choose to let your browser "remember" your login details, your Bond number and password will be stored in an encrypted cookie.

Acceptance of these terms

By using this website, you signify your agreement to HPB Management's policy. If you do not agree with these terms, please do not use this website. Use of this website following the posting of changes to these terms will mean that you accept those changes.

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