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

How the Holiday Property Bond works

Blore Hall in the Peak District, a captivating brick house adorned with ivy, embraced by a vibrant green garden.

This is a brief summary of how HPB delivers its holiday benefits. To understand it fully, including how its over 1,500 properties cater for all types of holidaymaker and the extra Holiday Points-free holiday opportunities and other offers available, you should find out more so that we can explain just how HPB can provide wonderful holidays for life.

  • An initial payment of as little as £5,000 gives you 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 the fund itself pays annual charges of around 2.5% of its net assets at cost, calculated monthly, as well as overheads.

  • Every £1 of your initial payment gives you one Holiday Point every year. You can use these Holiday Points to book the HPB property of your choice. The number of Holiday Points required for a property depends on its location and size and the time of year you want to go.

  • HPB's holiday benefits continue every year as long as you or your heirs hold the investment. Find out more about whether you should invest in the Bond in 2024.

  • When you book a holiday you pay a no-profit user charge to cover the actual costs of running and maintaining the properties rather than a commercial rental charge.

  • The only additional payment is a quarterly charge of just under £38 (that is around £150 a year), linked to RPIX.
  • As the Holiday Property Bond is a financial product, technically a life assurance bond, its marketing and promotion requires that we are authorised and regulated by the Financial Conduct Authority. You will be given everything you need to understand HPB and in particular the risks as well as the benefits, including restrictions on when you can cash in your HPB investment. As it is a financial product your capital is at risk and you should not expect to get back the full amount you have paid.

  • All new investors benefit from a unique "Money Back Promise". If you take a first HPB holiday at any HPB owned property within three years of investing and are not entirely happy for any reason, you can apply to cash in your HPB investment within fourteen days of your return. Whatever the cash in value the parent company of the issuer of HPB will make up any difference so that you get back the full amount of your original payment. At least one Bondholder must take the first holiday.

  • HPB has no borrowings and all its assets, being the holiday properties, securities and cash, are held by an independent, regulated trustee company.

How much should I invest?

How much you should invest depends on your circumstances – in particular your holiday requirements and preferences. HPB's Holiday Points system is designed to be highly flexible and one of our representatives can explain it fully. Each £1 of your initial payment adds one Holiday Point to the allocation of Holiday Points that you receive every year for as long as you hold your bond.

The minimum initial payment to become a Bondholder is just £5,000 but the more you invest the more Holiday Points and holiday opportunities you will have. Many new investors make a higher payment based on their holiday aspirations, some make smaller payments to try out the Bond and then go on to "top up" to increase their holiday benefits.

To understand fully how HPB works and to decide on an appropriate level of investment, please book a Private Tour at an HPB holiday location or book a Personal Presentation at a hotel near you. Or call free on 0800 230 0391 to arrange for a representative to meet you at a place of your choosing.

As we have already said this is a brief summary. To understand HPB fully and all its potential advantages, please contact us.

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

Request a brochure
Title *  
First Name *  
Surname *  
Email address *
Postcode *  
Telephone number
How did you hear about us?

We will use the details you provide above to send you our detailed HPB brochure and keep you updated about HPB holiday offers. Details of how we use the information you provide are in our privacy policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

* Indicates required fields
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.

Video chat now available with a local representative

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

How should we contact you? *  
Title *  
First Name *  
Surname *  
Email address *
Telephone number *  
Post code *  
Preferred Date/Time
Preferred Date/Time 2
Preferred Date/Time 3
Please contact me to arrange a date

Your local representative will contact you to confirm the date and time.

Date/Time *  
How did you hear about us?
Chosen date (choose above) *
Chosen time (choose above) *

We will use the details you provide above for a representative to contact you. Details of how we use the information you provide are in our privacy policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

* Indicates required fields

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.