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Holidays for life

Walking

Solo (Bond companions club)

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Facilities

Dog friendly

Onsite activities

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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.

Merlewood

Cumbria, England

Things to do in Kendal

Those who choose to stay at one of our delightful Merlewood based properties, situated in the South of Cumbria, can expect a wide range of exciting landmarks, countryside and towns to explore, providing a comprehensive, relaxing and interesting Northern English experience. There is plenty to discover and do in Kendal, regardless of the conditions you encounter during your holiday, or the preferences of those with whom you are holidaying; no matter if your trip is with family or friends.

Outdoor activities

Should the often highly changeable Cumbrian weather be in your favour during your trip, there's plenty to see and do in and around the town. One of the easiest ways to sample a taste of the traditional Cumbrian life is to visit the outdoor market held in Kendal; offering a wide range of local cuisine and fresh produce to sample.

Once you're loaded up with the best food that Kendal market has to offer, you have a vast selection of local beauty spots to seek out for potential picnic locations. Kendal's extreme proximity to the Lake District opens up many possibilities if you are willing to travel a little bit further afield, but there is plenty in Kendal's immediate vicinity to fulfil this need. Kendal Castle and its surrounding grounds are an iconic location, and perfect for a ramble post picnic, especially if you have a dog that needs walking, or children that need tiring out.

One piece of local cuisine is of particular merit for longer dog walks or family strolls around the town or surrounding countryside; Kendall Mint Cake. This sugary confection is famed around the world for the amount of energy it packs into a small, delicious package, making it a staple choice for hikers and mountain climbers around the world.

Indoor activities

Of course the weather in the North of England is frequently inclement, and often unpredictable, so it pays to have a few indoor activities and trips planned, for when you can't enjoy the historic town exterior, and sublimity of the countryside surrounding Kendal.

The Lakeland Climbing Centre and Kendal Leisure Centre both allow you to enjoy an active holiday regardless of how the weather turns out. The Lakeland Climbing Centre is notable for having the tallest indoor climbing wall in England, so can potentially pose quite a challenge to even confident climbers. Kendal Leisure Centre offers the expected range of sporting facilities, including a large swimming pool, ensuring that there is plenty for the whole family to enjoy, if need be.

For those looking to further enrich their knowledge of the local area, and truly experience Cumbria, regardless of the weather situation, Abbot Hall Art Gallery, Kendal Museum and the Museum of Lakeland Life are all locally situated, and are perfect for a day's worth of informative entertainment.

Nightlife

Kendal isn't a particularly large town, but it does offer a wide selection of pubs, and a few clubs to go with them. Indeed, there are around 30 pubs to choose from in and around the town, providing something for everyone. For a quieter, or more family orientated evening, there is also a diverse array of restaurants available, including the acclaimed Castle Dairy, which is situated in a grade I listed building!


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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.

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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.

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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

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

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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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