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The town of Ferragudo, in Portugal's stunning Algarve, is small and traditional. It lies on the banks of the River Arade estuary, across from better known town Portimão. This beautiful little place is characterised by many traditional little fisherman's homes; white-washed and facing the riverfront.
Palm-fringed gardens run up towards the main square, Praça Rainha Dona Leonor. This square holds a number of cafés from which to enjoy a lovely afternoon pastry or coffee and round the corner at the quay you can enjoy brilliant views across the water from the selection of restaurants on offer.
Ferragudo is home to tiny little streets and compact buildings that you can reach from the main square. There are some great beaches to enjoy, with golden sand and a rocky backdrop. The Praia Grand and the Angrinha beach are two of the favourites; the former is the town's main beach and it's from here you can see the little medieval castle on the rock – the fort of São João do Arade. The latter is less known and a bit quieter but just as lovely. The estuary and river are good for sports and some lovely evening strolls are to be had through the town too.
Luci loves getting out and about for a good cycle ride or easy-going walks in the countryside, and thoroughly enjoyed the time she previously spent working for the National Trust. Her love of writing started from a young age and on rainy days nothing beats curling up in a secret corner with a good book.
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.
➤ You will receive our beautiful property portfolio
➤ Our full length DVD introduced by Bondholder & presenter Sue Barker
➤ And a list of forthcoming Open Days and Exhibitions
A. You make an initial payment of anything from £5,000 and pay a quarterly fee of around £30 (that is around £120 a year), linked to RPI. This gives you access to all HPB’s 1,400+ holiday homes.
A. After an initial charge of 25%, it is invested in a fund of holiday properties and securities. The fund itself then meets annual charges of 2.5% and other overheads. The return on your investment is purely in the form of the enjoyment you experience from your holidays. As with most investments, your capital is at risk.
A. For each visit you will pay a no profit user charge, calculated to cover property running and maintenance costs, such as electricity, cleaning, gardening, refurbishment and local taxes and use of on-site facilities but with no profit rental element. The charge stays level throughout the year, so there are no high season premiums. For a studio for two this will average about £300 a week, for a two-bedroom property for four around £460 a week. Larger properties are also available.
A. Yes. You can surrender your investment back to the company after two years or more (subject to deferral in exceptional circumstances) but you will not get back the full amount you invested. What you do get back will reflect the charges referred to earlier, as well as other overheads and changes in the value of the fund’s properties and securities.
A. A large part of the initial charges pays for future marketing of the Bond. The more Bondholders and the more investment we can attract, the more properties the Bond can buy – increasing your choice of holiday. Annual charges go toward the administration of the fund, operating the holiday booking system and providing support to Bondholders, helping you book and enjoy your holidays.
