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Holidays for life

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HPB provides holidays for life. As it is an investment product, however, it is subject to charges, your capital is at risk and you may not be able to cash in during the first two years. Please read "How HPB works" for a summary of the principal risks and benefits.

Lower Knapp Farm

Devon, England
  • Traditional 18th century farm house and buildings have been wonderfully converted into 16 apartments and cottages
  • Peace and quiet
  • Glorious Countryside
  • Lovely beaches
  • Great walking country
  • The cream of Devonshire!

Lower Knapp Farm is part of the Holiday Property Bond portfolio offering exclusive access to over 1,400 properties to its 42,000 investors across more than 30 locations. You can find out more about Lower Knapp Farm below, but first some important information about the Holiday Property Bond. It is designed to provide holidays for life but it is an investment product so subject to charges, your capital is at risk and you may not be able to cash in during the first two years. For further details please read "How HPB Works"

More about Lower Knapp Farm

Lower Knapp Farm is a wonderfully peaceful holiday retreat - a farm which has been imaginatively converted to holiday use as cottages and apartments. It is situated in the delightful Roncombe Valley, two miles from Sidbury, a picturesque East Devon village of thatched cottages. The elegant Victorian seaside resort of Sidmouth is five miles away and the busy market town of Honiton, famous for its antique shops, is five miles to the north.

Here you are in an ideal location to discover Devon, a county as varied as it is verdant. Its huge tracts of fertile farmland are the source for its famous clotted cream and equally celebrated cider. Dartmoor National Park is both magnificent and mysterious; and Devon's golden sandy beaches are blessed by more than their share of sunshine. Overlooked by most holidaymakers, East Devon is a particularly charming area - a land of rolling, wooded hills and valleys; of spectacular coastlines, bustling market towns and quaint, welcoming villages.

Explore Dartmoor National Park

It would be a crime to stay in Devon and not see at least some of Dartmoor National Park. It's the largest and wildest area of open country in southern England, and there's so much to see and do here.

History lovers will enjoy discovering the old tombs, standing stones and ruins of Hountor, a medieval village which dates back to the 14th century. If it's walking you adore, there are 450 miles of public pathways, and routes to suit all abilities.

Alternatively, you could try your hand at birdwatching, geocaching, climbing, kayaking, letterboxing, cycling, horse-riding and so much more.

Enjoy 95 miles of stunning coastline

The Jurassic Coast in East Devon covers 95 miles of coastline, stretching all the way to Dorset. You won't have time to explore it all, but it's well worth a visit, as not only is it a beautiful place to relax, the rocks here record 185 million years of history!

You can access the Jurassic Coast by the South West Coast Path Trail or take a boat trip from one of the local coastal towns.

Treat yourself to a traditional cream tea

You can't enjoy a holiday in Devon without sampling one of the naughtiest and most indulgent treats there is – a cream tea. It consists of two scones, strawberry jam, Devon clotted cream and a pot of tea to wash it all down with. Just remember to put the jam on top, otherwise you may upset the locals!

Admire Exeter's architecture

Exeter is brimming with history, but the first attraction you should visit is the Cathedral. You won't be able to miss it – its two towers dominate the skyline, and have done since 1114AD.

We also recommend walking along the medieval aqueducts which run under the city centre and date back to the 14th century.

Go shopping in Honiton

Collectors of antiques and pottery will definitely want to go shopping in Honiton. The high street is home to a variety of specialist dealers selling antiques and traditional crafts. That's because Honiton has a history in glove making, pottery and lace. In fact, the local museum contains an amazing collection of lace.

There's plenty of traditional high street shops in Honiton too, of course.

VIEW THE FULL PORTFOLIO

How the Holiday Property Bond works

This is a brief summary of how HPB delivers its holiday benefits. To understand it fully, including how its over 1,400 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 pays annual charges of around 2.5% 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.
  • 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 modest quarterly charge of around £30, that is around £120 a year, which can be increased by no more than 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 within three years of investing and are not for any reason entirely happy, 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.
  • HPB has no borrowings and all its assets, being the holiday properties, securities and cash, are controlled by HSBC Trustee (C.I.) Limited.

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. This is considered suitable by a number of new investors who pay this amount to try out the Bond and then go on to "top up" to increase their holiday benefits. Others choose to make a higher payment initially with the average in 2018 being around £14,500.

To understand fully how HPB works and to decide on an appropriate level of investment, please join us at an Open Day at an HPB holiday location or an Exhibition 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.

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User Charge

The no-profit user charge is all you pay when you book your holiday. It covers the actual costs of servicing the properties, including housekeeping, laundry and maintenance of the many free-to-use-onsite facilities. It is charged per property - NOT per person. And it does not vary with the season: instead, the user-charge remains constant all year round.

For example:

A week for two in the Scottish Highlands could cost around £398 user charge, including VAT*, even at the height of the season.

A week for a party of eight in a four bedroom villa at Physkos, Turkey, in August could cost around £350 in user charge*

*Prices for 2019 and for Turkey based on exchange rate of £1 = 8 Turkish Lira (may vary)

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Restrictions

If you do not use our "Money Back Promise" offer explained in "How HPB works", you may cash in after two years at a value linked to that of the properties and securities but you should not expect to get back the full amount you paid because of charges and changes in the value of HPB’s properties and securities. In exceptional circumstances cashing in may be deferred for up to twelve months.

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Your inflation-protected Holiday Points

HPB's holiday benefits are provided through a Holiday Points system. Each £1 you invest (including any adviser charge) adds one Holiday Point to the allocation of Holiday Points that you receive every year for as long as you hold your bond. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, with the number of Holiday Points required depending on the location, size of property and season.

Here are some examples of how it works in practice (2019 rates):

For two people, holidaying out of season:
A week in Stigliano, Tuscany from 1,480 points
A week in The Trossachs, Scotland from 2,340 points
A week in St Brides Castle, Pembrokeshire from 2,180 points

And in the height of summer:
A week in Rocha Brava, Portgual from 7,870 points
A week in the Lake District from 9,380 points
A week in Le Mont de St Siméon, France from 13,630 points

If you have a minimum qualifying investment you can also book Short Notice Points Free holidays, subject to availability. Bookings can be made up to 28 days in advance for UK holidays and up to 56 days in advance for overseas. Even if you do not have a qualifying investment, you can still book Short Notice Points Free holidays up to 21 days ahead in the UK and up to 42 days ahead overseas.

Inflation protection: Your Holiday Points allocation is re-valued every year in line with the cost of providing additional holiday accommodation for new investors. This means your holiday accommodation booking power is fixed and protected against inflation. So you can look forward to top quality holidays for life.

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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.

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We're so confident you'll be delighted with HPB
that we offer you a 'Money Back Promise'!

In regular surveys, Bondholders tell us how happy they are with HPB holidays. That's why we feel confident in giving you the extra reassurance of our unprecedented '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 so that you get back the full amount of your original payment, including charges.

This offer applies to a holiday at any HPB owned property which is taken by at least one of the Bondholders themselves.

Full details of the offer will be provided before you invest.

Request our brochure Speak to a representative Visit an Open Day or Exhibition

Please request our fully
illustrated brochure

Please read "How HPB works" and then we will be delighted to send you our brochure, including our property portfolio, along with our full length DVD introduced by Bondholder Sue Barker and a list of forthcoming Open Days and Exhibitions. See the beautiful holiday homes and magnificent locations where you can spend your holidays as a Bondholder.

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

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You can speak to one of our representatives

Your local HPB representative will be happy to call or meet you at a convenient time and place 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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See our stunning properties
for yourself

Attending an Open Day at an HPB holiday location is an enjoyable way to see what HPB has to offer. Just turn up and stay as long as you wish – there is no need to make an appointment. The representatives will introduce themselves and answer your questions. You will also be invited to inspect the site and see HPB’s high standards for yourself.

Alternatively, you are welcome to attend one of our Exhibitions at a hotel near you. You can chat to one of our representatives, ask your questions and watch our complete DVD 'travelogue' of HPB locations.

VISIT AN OPEN DAY OR EXHIBITION

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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 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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➤ 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

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Holiday better with HPB

A. How can I holiday better?

Invest from £5,000 in the Holiday Property Bond for exclusive access to a portfolio of over 1,400 top quality villas, cottages and apartments in over 30 locations across the UK and Europe. For each £1 invested you will receive one Holiday Point each year which you can use to book the properties. And when staying in them you do not pay a commercial rent, just a no-profit user charge covering actual running, maintenance and refurbishment costs. This charge is level throughout the year so there are no high season premiums. For a studio for two the charge averages about £300 a week, for a two bedroom property sleeping up to six around £460 a week. And there are larger properties available. This no-profit user charge is only payable when you want to go on holiday. Your only ongoing commitment is a quarterly fee of around £30 – that is around £120 a year.

B. Will there be more properties in the future?

As we attract more investors the more properties we will add to the portfolio – increasing your holiday choice still further.

C. How long can I holiday with HPB?

For life if you wish – the holiday benefits last as long as you hold the Bond. In due course you can pass it and the holiday benefits to your children and grandchildren, as many of our earlier investors have already done. If, however, at some point you and your family no longer wish to holiday with us you can surrender your Bond back to the company after two years or more (subject to deferral in exceptional circumstances). You will not get back the full amount you invested, although we would hope that you will have had some wonderful holidays. What you do get back will reflect initial charges (25%) taken before your money is invested in the HPB fund of holiday properties and securities. The fund itself also pays annual charges of around 2.5% and other overheads. The value of the fund’s properties and securities can also go up or down and so, like most investments, your capital is at risk.

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