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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 1,500 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
The range of properties – and locations – is fantastic. We've enjoyed holidays in Turkey, the Canary Islands, Spain – as well as Scotland and Wales. And we're looking forward to many more.
Steve & Karen Turner
Bondholder since 2006

We knew HPB would give us years of excellent holidays. We estimate that we have averaged three to four holidays a year.
Carol and Craig Bustard
Bondholder since 2003

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. The average charge for a studio is around £360 and around £540 for a two bedroom property, for a week. Larger properties are also available.

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. Find out more to help you decide whether you should invest in the Holiday Property Bond in 2024.

Read what the Bondholder says
The care and attention paid by both site staff and headquarters guarantees that we're well looked-after, wherever we go – and it's clear from the cleanliness and décor of Bond accommodation, to say nothing of furnishings and equipment, that our properties are well looked-after, too.
Brian Nicholls-Lee
Bondholder since 1998

One of the benefits of the Holiday Property Bond is the ability to pass it on to our children. It is therefore great to think that Kate and James, their children, and who knows how many future generations, will be able to continue to enjoy holidays of all kinds, thanks to the Bond's ever-expanding property portfolio.
Sue Fasey
Bondholder since 2006

How long will my family and 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

Since we became Bondholders we have chalked up more than 80 HPB holidays, visiting nine overseas Bond sites and a further seven here in the UK. For our initial investment, over a 20-year period it is great value for us. Yes, we have to pay a non-profit user charge – but that’s still not a bad return!
Les Hill

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 40,000 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 £380 million net as at 1st January 2024. The fund has no borrowings, and never has had. It also has an independent, regulated trustee 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 in 2023 was 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 fee under £38 (that is around £150 a year), linked to RPIX.

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
One of the great pleasures of having been an HPB representative as well as being a Bondholder is being on an HPB holiday and bumping into people you welcomed into the Bond. Time and again I've been told: ‘It's the best investment I ever made.'
Phil Durbin
Bondholder since 1988

The Holiday Property Bond has been great for us – but, if it had proved less than what we expected after our first holiday, HPB's unique ‘Money Back Promise' gave us a real sense of security.
Nigel & Stephanie Collins
Bondholder since 2003

What is your Money Back Promise?

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
Is it possible to regret one of the best decisions we've ever made? Yes – because we wish we'd made it sooner! You could be enjoying the HPB holidays we missed out on: the so-precious ones when your children are little.
Linda and Steve Pinnington
Bondholder since 2011

How can I find out more?

The Holiday Property Bond could do as much for your quality of life as it has done for many thousands of families who have already invested. That's why we invite you to get in touch with us in any of these 3 ways and please don't forget our unique 'Money back promise' and 'interest free loan' options.

Request our brochure Speak to a representative Explore one of our UK sites

Please request our fully illustrated holiday property brochure

Please read "How HPB works" and then we will be delighted to send you our brochure, including our property portfolio, and your FREE copy of Insight Magazine. See the beautiful holiday homes and magnificent locations where you can spend your holidays as a Bondholder and learn how impressed Bondholders have been by our handling of the problems caused by coronavirus.

Please complete and submit the form or, alternatively, telephone our FREE brochure request line on 0800 230 0391

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HPB’s holiday booking service has been rated 4.7 out of 5 based on 14730 customer reviews on Feefo.

You can speak to one of our representatives

Your local HPB representative will be happy to call or video call you at a convenient time for an informal chat. Simply fill in your details and we'll do the rest.

Most of our representatives are Bondholders themselves and all have visited a number of Bond sites.

The representative will give you all the information you need and then leave you to make up your own mind. He or she will talk to you about your holiday requirements and what level of investment is needed to secure the kind of holidays you want.

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This request is for new enquiries only, if you are an existing Bondholder please contact us via myBond.

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See our stunning holiday properties for yourself

Having a Private Tour at an HPB holiday location is an enjoyable way to see the high standards of furnishings and facilities you could enjoy with HPB. One of our representatives will show you around the site and answer any questions you may have.

Alternatively, you are welcome to book a Personal Presentation at a hotel near you. You can chat to one of our representatives, ask your questions and view the complete portfolio of HPB locations.


This advertisement is issued by HPB Management Limited (HPBM), the main UK agent and the property manager for HPB, authorised and regulated by the Financial Conduct Authority, registered at HPB House, Newmarket, Suffolk, CB8 8EH. HPB is available exclusively through HPBM. HPB is 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 Equiom (Isle of Man) Limited, registered at Jubilee Buildings, Victoria Street, Douglas, Isle of Man, IM1 2SH. The Securities Adviser is Stanhope Capital LLP of 35 Portman Square, London W1H 6LR. No medical examination is required.

HPBM promotes only HPB and is not independent of HPBA. 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.