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What's so special about HPB?

We answer some of your questions...

Why should I think about becoming a Holiday Property Bondholder?

As soon as you become a Bondholder, you can take your pick from over 1,400 exclusive holiday properties situated at more than 30 fabulous locations across the UK and Europe. There are 17 locations in the UK alone, and more properties are being added all the time.

Whatever you like in a holiday, you’ll love the variety available with HPB. From the sun-drenched Algarve to the majestic Highlands of Scotland, from converted traditional cottages to contemporary hotel apartments, there are HPB properties to suit every taste. As Bondholders you can holiday in the location and property of your choice, at any time of year. Most properties have a range of excellent facilities on site, including heated swimming pools, gym equipment, games rooms and libraries.

Read what the Bondholder says
We love it; we've always sought variety, and the Holiday Property Bond gives us that, in spades. You know you're going to be comfortable and everything's going to work. Holidays can be looked forward to with excitement, rather than trepidation.
Adrian Needham
Bondholder since 2002

We've taken nigh on 100 great HPB holidays at over 20 sites since we signed up. Our daughter and partner join us when busy lives permit and also go without us; indeed our Holiday Points have been to places we have not seen. We have also taken full advantage of the Points-free short-term vacancies and cancellations!
Liz Holness
Bondholder since 2000

How often can I go on holiday?

It's up to you. How often you can go away depends on how much you invest, when you want to go and the availability of the properties you're interested in. Many Bondholders are able to get away three, four or even five times a year.

We can arrange your holiday travel for you. As a Bondholder you can book everything from flights to ferries and from insurance to car hire through the HPB Travel Club, our dedicated, ABTA-bonded travel agency. Our experienced, knowledgeable staff are just a phone call away.

Read what the Bondholder says

Can family, friends and pets join me on holiday?

Of course. HPB holiday homes range from modest, one-bedroom apartments to large, family-sized villas. 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.

All our UK locations have ‘pets welcome’ properties (except for our hotels and Barnham Broom), as do five of the overseas locations. A number of our properties are wheelchair friendly and others are designed for people with limited mobility.

Read what the Bondholder says
For me, the great thing about HPB is its flexibility – the fact that friends, family and colleagues can use it. This is very much a girls'-only holiday; lots of chat, lots of laughs, lots of relaxation – just lazy days in the sunshine with one's best mates.
Liz Bates
Bondholder since 1986

A large part of a successful holiday is knowing what to expect, in terms of the standard of accommodation, facilities and so on. HPB scores highly in this regard. The result: fun for the children; relaxation for the grown-ups; and a comfortable holiday for all!
Jacqueline Stinton
Bondholder since 1988

What facilities and standards can I look forward to?

HPB was set up to ensure holidaymakers enjoyed the same consistently high standards of comfort and service on every holiday. All our villas, apartments and cottages are fully self-contained and individually furnished to high standards by our interior designers, who take the local setting into account. We regularly refurnish and improve our properties, and every property will be freshly cleaned and prepared for your arrival.

HPB properties are set in their own well-cared-for grounds and gardens, a number of which have won awards. Most also have facilities such as swimming pools, saunas, games rooms and tennis courts on site. Some of our locations also have their own restaurant.

Read what the Bondholder says

How does HPB deliver good value holidays?

As a Bondholder, you can access holiday benefits through our Holiday Points system. Each £1 you invest entitles you to one Holiday Point every year. Every time you book a holiday, you exchange Holiday Points for the property you want. The number of points you need will depend on the location of the property, the property size and the season.

You also pay a no profit user charge, rather than a commercial rent. This stays the same throughout the year, so there are no sudden hikes in the holiday season. To give you an idea of the cost, a studio for two would cost around £300 a week, while a two-bedroom property sleeping up to six would cost around £460 a week.

You will also be able to take advantage of a wide range of special offers, such as short-notice Points-free holidays and long-stay vacations at particular locations.

Read what the Bondholder says
One thing that's common to all HPB holidays is the quality of the sites, and the site staff. From the manager downwards, everyone, at every HPB site, is dedicated, caring, and committed to ensuring that we as Bondholders have the best holidays possible.
Keith McCartney
Bondholder since 2001

The Bond allows us to spend quality time with our children and grandchildren. And it's great to know that our three children will continue to benefit from the Bond, and enjoy HPB holidays long into the future.
David Evans
Bondholder since 2004

How long will I be able to holiday with HPB?

You can holiday year after year with HPB, as your Holiday Points are reissued every year for life. The holiday benefits don’t just last for your own lifetime either. Thanks to the nature of the underlying investment, you can pass your Bond on to your children and grandchildren for them to enjoy or cash in if they prefer.

Read what the Bondholder says

How are my holidays protected against inflation?

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’s because your Holiday Points allocation is revalued at least once a year in line with the cost of providing additional holiday accommodation for new investors. The booking power of your investment is fixed and protected for the long term, no matter what happens to inflation.

Read what the Bondholder says
In the two decades-plus we have enjoyed as Bondholders, the Bond has fulfilled its 'sales-pitch' promises. Through the automatic inflation-proofing, our original investment would still be enough to stay at Rocha Brava, in the Algarve, for two weeks in high-season.
Robert Ireland
Bondholder since 1989

I know many Bondholders have added to their investments over the years. And that's fine; if you've got a growing family and the wherewithal, then go for it. But my annual Holiday Points allocation was enough for my husband and me.
Judy Almond
Bondholder since 1983

Who are HPB and how long have you been going?

The Holiday Property Bond was founded in 1983 by two families who wanted to make sure that discerning holidaymakers could be confident in the holidays they booked. The Bond enabled investors to holiday in properties by paying a no profit user charge. Today there are over 42,000 Bondholders.

As a Bondholder, you won’t own the properties directly. Your money is invested, after charges, into a fund which had net fund assets (properties and securities) of over £300 million as at 31st December 2018. The fund has no borrowings, and never has had. It also has an independent trustee, HSBC Trustee (C.I.) Limited to whom your investment will be payable.

As HPB is an investment product you need to understand the principal risks and costs as well as the benefits. You can find a summary here.

Read what the Bondholder says

That’s all fine, but can I afford it?

HPB is more affordable than you may think.

The minimum initial payment is just £5,000, and the average investment is currently around £14,000. We can help you get started with an interest-free loan of between £3,000 and £9,000, repayable in 12 equal monthly instalments (subject to a minimum cash deposit of £2,000 to £4,000). Thereafter there is a quarterly charge of around £30 (that is around £120 a year).

How much you invest will depend on your own circumstances. One of our representatives can explain it to you so you can make your own decision as to whether it might be right for you. Contact a representative

Read what the Bondholder says
We were introduced to the Bond by a friend, and subsequently visited HPB's Braithwaite Court in Cumbria. We liked what we saw. As investments go this is not a 'money-maker'; but the pay-back, in terms of super holidays and uniformly high standards, has been out of this world.
Judith Craig
Bondholder since 1993

In the unlikely event that a friend invests in the Bond and finds it's not for them, HPB's unique Money Back Promise means they can recoup the total value of their initial payment. Not that any of our friends ever have...
Julian Turner
Bondholder since 1989

What if I decide it’s not for me?

We are so confident that you will be delighted by the quality of HPB holidays that we make you a "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 apply to 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. That means you will get back the full amount of your original payment, including charges.

This offer applies to the first holiday at any HPB-owned property which is taken by at least one of the Bondholders themselves. We will give you full details of the offer before you invest.

Read what the Bondholder says

How do I find out more?

We give you the chance to find out about the Bond in your own way and at your own pace, without any hard sell. The first step is to order your free copy of our full colour brochure.

Once you have read the brochure, you can arrange a meeting with one of our representatives, at a time and place to suit you. If you like, you can meet them at an HPB holiday location to get a feel for our high standards of accommodation.

Our representatives can give you all the information you need but you can, if you wish, view the full Product Particulars here.

Read what the Bondholder says
WHAT'S YOUR NEXT STEP
How different could our lives have been had we not mistakenly dismissed HPB 20 years ago? Think how many more memorable holidays we could have taken. If only we had known then what we know now!
Janet Eaton
Bondholder since 2004

This advertisement is issued by HPB Management Limited ("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. The Trustee of HPB is HSBC Trustee (C.I.) Limited registered at HSBC House, Esplanade, St Helier, Jersey, JE1 1GT. The Securities Manager is Stanhope Capital LLP of 35 Portman Square, London, W1H 6LR.

Holders of policies issued by HPBA 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. No medical examination required. HPB is available exclusively through HPBM who will only charge for their services if you invest. HPBM promotes only HPB and is not independent of HPBA.

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