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Should I invest in the Holiday Property Bond in 2021?

If you are looking for a different way to holiday, one that allows you to go on holidays year after year, then investing in the Holiday Property Bond could be well worth considering.

Become a Bondholder by investing in the Holiday Property Bond (HPB) and you can take your pick from over 1,400 superb villas, cottages and apartments situated at more than 30 stunning locations across the UK and Europe.

You and your family can go away at any time of year. How often you go away depends on how much you choose to invest, when you want to go away and what type of property you’d like to book.

An initial payment of as little as £5,000 not only gives you an annual holiday entitlement but also units in the HPB fund which holds the entire portfolio of villas, cottages and apartments, as well as a securities portfolio, the returns from which go towards management costs. The HPB fund has an initial charge of 25% and pays annual charges of around 2.5% as well as overheads.

As a Bondholder, you won’t own the properties directly. Your money is invested, after charges, into the HPB fund which had net fund assets (properties and securities) of over £350 million as at 31st December 2020. The fund has no borrowings, and never has had. It also has an independent, regulated trustee to whom your investment will be payable.

Please read the FAQs below for more information and to understand the risks as well as the benefits of an investment.

FAQs

What is the Holiday Property Bond?

The Holiday Property Bond is a financial product and is technically a life assurance bond. Its marketing and promotion require that HPB is authorised and regulated by the Financial Conduct Authority. As the Bond is a financial product, your capital is at risk and you should not expect to get back the full amount you have paid.

How much should I invest in the Holiday Property Bond and what are the charges?

The minimum initial payment is just £5,000, but the more you invest the more holiday entitlement you will have. 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 just over £30 (that is around £125 a year) that can only be increased up to a maximum of the increase in user charges RPIX.

When you holiday with HPB, you pay a non-profit user charge to cover expenses like electricity, cleaning and gardening. The charge is level throughout the year. 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.

How much you invest will depend on your own circumstances and the holidays you want. 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.

Can I see an explanation of how the investment works and what it gets me?

Of course. Watch the video below for an overview of the Holiday Property Bond given by Sue Barker, the BBC presenter and HPB Bondholder.

Is the Holiday Property Bond good value?

The Holiday Property Bond is not designed to deliver monetary returns or growth. Instead, you are investing in the opportunity to enjoy high quality and exclusive self-catering holidays. Your investment gives you Holiday Points, which you can use every year to book the HPB property of your choice. So, if you value holidays and enjoying time with friends and family, you may well want to consider investing in the Holiday Property Bond.

How many people have invested in the Holiday Property Bond?

Today there are over 42,000 Bondholders. They come from all sorts of backgrounds but share a desire to enjoy holidays in quality properties in excellent locations.

Is it a long-term investment?

Your investment can last as long as you like. Rather than investing for growth, you are investing for the opportunity to take holiday after holiday. Your holiday benefits last for your lifetime – and could last even longer. You can use your Holiday Points to book holidays year after year and, in due course, you can pass your Bond on to your children and grandchildren. They can then enjoy the benefits of the Bond themselves, or cash it in if they prefer.

What do I get in return for my Holiday Property Bond investment?

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.

What’s the difference between the Holiday Property Bond and other investments?

With the Holiday Property Bond, you are investing in holiday entitlement, rather than investing for growth. Your investment gives you Holiday Points, which you can then use every year to book the HPB property of your choice. For every £1 invested, you receive one Holiday Point a year.

Can I withdraw my investment?

Yes. You can cash in your Bond after two years for its then value, subject to deferral in exceptional circumstances. You will get back less than you invested because of the initial and annual charges, as well as other overheads and changes in the value of the fund’s properties and securities.

Why shouldn’t I just use returns from other investments to pay for my holidays?

You certainly could use other investments to pay for your holidays. The potential problem with this, of course, is that if there is a downturn in other investment markets then the return to pay for a holiday may not be there. If you have invested in HPB, then the holiday benefits will still be available regardless of the performance of the underlying HPB Fund.

Experience the exclusive world of HPB for yourself

What do other investors say about their Holiday Property Bond investment?

Here are just some of the comments our Bondholders have made about their Holiday Property Bond investment:

"We’ve taken around 100 great HPB holidays at over 20 sites since we invested. Our daughter and her partner join us when they have the time. Our Holiday Points have taken us to places we have never been before. We’ve also taken advantage of Points-free short-term vacancies to enjoy even more holidays."

Liz Holness
Bondholder since 2000

“A holiday with HPB gives us the space to spend some quality time with our children and grandchildren. 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

“Think how many more fantastic holidays we could have enjoyed if we hadn’t mistakenly dismissed HPB many years ago.”

Janet Eaton
Bondholder since 2003

“We love it. We’ve always wanted variety from our holidays, and the Bond gives us that in spades. And you know you’re going to be comfortable and everything’s going to work.”

Adrian Needham
Bondholder since 2002

“What can make a holiday a success is knowing what to expect. The standard of accommodation, the facilities and the settings. We just know the children are going to enjoy themselves, and the grown-ups are going to relax.”

Jacqueline Stinton
Bondholder since 1988

Summary: is the Holiday Property Bond a worthwhile investment?

  • An investment in the Holiday Property Bond gives you access to over 1,400 holiday properties at over 30 locations across the UK and Europe
  • Your investment buys you Holiday Points, which you can use every year to book the HPB property of your choice
  • The Bond is a life assurance policy
  • The minimum investment amount is £5,000
  • You can cash in your investment after two years for its then value, subject to deferral in exceptional circumstances
  • Like nearly all investment, there are charges involved
  • Your holiday benefits last for your lifetime – and longer if you wish, as you can pass your Bond on to your children and grandchildren
  • The Bond may be a good investment for you if you will enjoy its holiday benefits. It should not be viewed as an investment to produce financial return.

How can I find out more?

Ask for a brochure, speak to a representative or come and see us – now’s the time to find out more about a lifetime of wonderful holidays.

Request our fully illustrated
holiday property brochure

Please read "Holiday better with HPB" 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
brochure request line on 0800 230 0391

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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 Equiom (Isle of Man) Limited registered at Jubilee Buildings, Victoria Street, Douglas, Isle of Man, IM1 2SH. 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. HPBM promotes only HPB and is not independent of HPBA.