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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.
HPB began as a new idea, but it rapidly became a proven success. As the number of investors (Bondholders) has grown, so has the number of holiday properties we have been able to buy or build. In fact we are proud to say that our growth and success have been driven by our Bondholders. As at 30th June 2015, HPB had net fund assets of over £275 million. We have no borrowings, and never have had.
The Holiday Property Bond began life with no track record and only limited funding. It owned no property. Nor did it have any investors.
A lodge overlooking the fairway at Barnham Broom Golf and Country Club in Norfolk.
The ex-RAF Disabled Holiday Trust made their first investment in the Holiday Property Bond. This charity, now renamed The RAF Disabled Trust, is managed by the RAF Benevolent Fund and is now by far HPB's largest single investor.
Work began on the Channel Tunnel - Bondholders voted for HPB's first French home, the Manoir du Hilguy.
Abandoned for over 30 years but carefully restored the hamlet of Constant occupies an impressive hilltop position with magnificent views over the surrounding largely wooded landscape.
MAJORCA, BALEARIC ISLANDS
ILE DE FRANCE, FRANCE
Part of an ancient fortified village situated near Siena, Stigliano towers above the Tuscan countryside.
To encourage out of season occupancy, the Bond ran its first Theme Week holidays. The dye was cast for the popular 'special interest' holiday programme to come.
Tigh Mor Trossachs was opened by then Secretary of State for Scotland – the Right Honourable Ian Lang MP.
NORTH YORK MOORS, ENGLAND
PEAK DISTRICT, ENGLAND
YORKSHIRE DALES, ENGLAND
The Bond's then most ambitious development, El Balcón de Santa Ana – on the lesser known Canarian Island of La Gomera.
LA GOMERA, CANARY ISLANDS
The former Franciscan Monastery of Henllys on the Isle of Anglesey. Situated just a short drive from the Snowdonia National Park, HPB's Anglesey home was officially opened by the Lord Lieutenant of Gwynedd, following a two-year renovation programme.
The brand new shared site of Santa Ana, Lanzarote – which replaced HPB's former Lanzarote home of Playa Bastian.
LANZAROTE, CANARY ISLANDS
The Bond purchased an existing villa development and improved and expanded it.
Exclusive to the region of Puglia, the traditional round Apulian dwellings with conical roofs provide an unusual holiday experience.
Lucker Hall, close to Bamburgh Castle and the spectacular Northumbrian coast. It is hoped that the contractors will have completed building the 40 cottages and apartments in Summer 2016.
Developing and opening new properties at Puglia and building a new swimming pool at Alfaix.
Coo Palace is a fantastic Grade A-listed collection of farm buildings, described by Historic Scotland as "unique in south-west Scotland for its architectural merit and quality of its finishings".
DUMFRIES AND GALLOWAY, SCOTLAND
HPB has a simple attitude to salesmanship. We believe the facts about the Bond speak for themselves. That's why we don't go in for hard sell techniques. Instead 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 are welcome to 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?
Referral from existing Bondholders is by far our largest single source of new investors.
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.