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Half the joy of a holiday lies in the anticipation. Deciding where to go, then imagining peaceful country walks, slow mornings by the sea, or afternoons exploring historic villages.
Once you’re home, however, the whole process has to start again. Comparing hotels, scrolling through holiday rentals, and trying to find somewhere that ticks all the boxes can take hours and be surprisingly stressful. And even then, there’s no guarantee you’ll love it when you arrive.
But what if your next holiday was already waiting for you? Imagine knowing that whenever you fancy a break, there’s a collection of beautiful holiday homes to choose from. One year, you could escape to a quiet country estate in Wales, or a restored farmhouse in rural France; the next, a beachside apartment in Spain, or a mountain retreat in Austria. Rather than starting the search from scratch each time, you simply decide what kind of holiday you feel like.
That’s the thinking behind The Holiday Property Bond (HPB). For more than 40 years, HPB has offered Bondholders access to characterful holiday homes across the UK and Europe, from grand country houses and converted farm buildings to contemporary apartments and remote woodland lodges. Whatever type of holiday you’re looking for, there’s something to suit.
How The Holiday Property Bond works
Booking with The Holiday Property Bond works differently from booking a traditional holiday. Instead of paying the full cost of accommodation every time you travel, Bondholders make a minimum initial investment of £5,000, followed by a quarterly management fee of less than £39.
That gives you access to a collection of more than 1,500 cottages, villas, lodges, and apartments across the UK and Europe. Whenever you book a stay, you pay a user charge to cover the upkeep of the properties and shared facilities like swimming pools and tennis courts.
Because the properties are all owned and managed by HPB, standards are always consistent, whether you stay in a historic cottage in the countryside or a modern apartment by the sea. It means you can book with confidence, knowing what to expect wherever you stay. Homes are comfortable and stylish, with high-quality facilities and beautiful surroundings, so you’ll feel at home from the moment you arrive.
And because the user charges are much lower than the cost of booking similar accommodation privately, it offers excellent value over time.
Return to the same place every year, or choose somewhere different
Holidays can become more meaningful when you return to places you already know. You might find the café that serves the best breakfast, stumble across a new favourite walking route or viewpoint, or get chatting to the owner of the village deli. Over time, familiar places start to feel like a second home, filled with special memories.
But of course, with HPB you’re never limited to one destination. Some Bondholders return to the same special places year after year, while others choose somewhere different every time. From hidden corners of the UK to beautiful regions of Europe, there’s always the option to revisit old favourites or explore somewhere completely new.
Either way, you spend less time searching for the perfect holiday, and more time looking forward to it.
Choose a holiday at any time of the year
With holiday homes across the UK and Europe, there’s always somewhere that’s at its best, whatever the time of year.
Spring is the perfect time to enjoy destinations before they get busy; gardens burst into bloom, the countryside is at its most colourful, and market towns feel quieter and more relaxed. Summer, meanwhile, is made for lazy days by the coast, long lunches on sunny terraces, and relaxed evenings eating outdoors.
By autumn, forests, hills, and vineyards glow with colour, making it a wonderful time for walking, sightseeing, and cosy meals in country pubs. And when winter rolls around, you could always swap grey skies for somewhere warmer, or embrace the season with mountain landscapes, snowy walks, and evenings by a fire.
Enter for your chance to win a 7-night stay at HPB Stigliano
Discover the beauty of Tuscany with an unforgettable break at Stigliano, our beautifully restored hilltop village surrounded by rolling vineyards, olive groves and spectacular countryside.
Your return is in holidays but like most investments your capital is at risk. Initial payment from £5,000 and quarterly fee (under £39) provide access to HPB holiday homes. Initial and ongoing charges. User charges of around £388 for a studio, £597 for a two-bedroom. Surrender possible after two years, you will receive less than you invested. Advertisement by HPB Management Limited, HPB House, Newmarket, CB8 8EH regulated by FCA, FSCS scheme does not apply.
5 places to inspire your next holiday
With more than 1,500 holiday homes across Europe to choose from, The Holiday Property Bond offers an impressive range of destinations. Whether you’re looking for dramatic scenery, historic towns, beautiful beaches, or simply somewhere to switch off, here are five places that showcase the variety on offer.
1. English coast or countryside
You don’t have to travel far for a memorable holiday. From converted farmhouses in Devon, cosy cottages in the Cotswolds, and country houses overlooking the Lakes, The Holiday Property Bond’s English properties are dotted across some of the country’s loveliest regions.
You can spend your days walking coastal paths, browsing farmers’ markets and quirky bookshops, visiting historic houses and gardens, pottering around seaside villages, or enjoying lunch in a traditional country pub. Sometimes the best holidays are the ones closest to home.
2. Wilds of Scotland
If you’re happiest surrounded by wild, rugged landscapes, Scotland is difficult to beat. Here, you can wander woodland trails, take a boat trip across a gleaming loch, spot red deer or ospreys, visit whisky distilleries and craggy castles, or spend an afternoon exploring charming Highland towns.
The Holiday Property Bond’s Scottish properties each offer a different way to experience this remarkable country. Stay in an elegantly restored Victorian house overlooking Loch Achray in the Trossachs, escape to a converted dairy farm on the Galloway coast, or choose one of the seasonal fishing lodges in rural Perthshire. Wherever you stay, you’ll be perfectly placed to explore Scotland’s spectacular scenery and wonderful wildlife.
3. Authentic Italy
One of the joys of Italy is its slower pace of life. Mornings might begin with a leisurely coffee in a bustling piazza, afternoons can be spent wandering medieval streets or browsing local markets, and evenings are for savouring local food and wine as the sun goes down.
The Holiday Property Bond’s Italian properties allow you to experience some of Italy’s most beautiful regions. Stay in a restored 13th-century hilltop village in Tuscany, or choose one of the traditional trulli cottages in Puglia, surrounded by olive groves and vineyards. Whether you’re exploring Renaissance towns, visiting world-class vineyards, tucking into pasta and gelato, or discovering those quieter corners of the country, each visit offers a different perspective.
4. Sun, sand, and two sides of Spain
Spain is one of those places that’s just as suited to relaxation as exploration. You can go swimming and sunbathing in the morning, wander through whitewashed villages in the afternoon, and tuck into tapas in a lively plaza as night falls. If you like variety, The Holiday Property Bond’s Spanish properties showcase two very different sides of the country.
Stay at La Reserva de Biniorella, an exclusive country club overlooking the turquoise waters of Camp de Mar in Mallorca, or escape to El Pueblito de Alfaix, a characterful Moorish-style village tucked into the hills of Andalucía. Whether you’re drawn to golden beaches, dramatic scenery, or long evenings dining outdoors, these are the places you’ll want to return to.
5. From vineyards to coastlines – France in all its variety
One of the wonderful things about France is how much it changes from region to region. From vineyard-covered valleys and rolling countryside to dramatic coastlines and atmospheric villages, every corner has its own character. And that’s before you’ve even got to the bread, cheese, and wine.
Luckily, The Holiday Property Bond’s French properties reflect that variety. You can stay in a converted farmhouse in the Dordogne, a traditional stone cottage in Brittany, or a Provence home surrounded by lavender-scented hills. It’s the kind of country you could return to year after year and still find somewhere new to fall in love with.
Enter for your chance to win a 7-night stay at HPB Stigliano
Discover the beauty of Tuscany with an unforgettable break at Stigliano, our beautifully restored hilltop village surrounded by rolling vineyards, olive groves and spectacular countryside.
Your return is in holidays but like most investments your capital is at risk. Initial payment from £5,000 and quarterly fee (under £39) provide access to HPB holiday homes. Initial and ongoing charges. User charges of around £388 for a studio, £597 for a two-bedroom. Surrender possible after two years, you will receive less than you invested. Advertisement by HPB Management Limited, HPB House, Newmarket, CB8 8EH regulated by FCA, FSCS scheme does not apply.
Final thoughts…
Whether you enjoy revisiting your favourite places or discovering new destinations, the best holidays are the ones you remember long after you’ve unpacked. They’re the walks you talk about months later, the view that takes your breath away, the cute cafe you find yourself returning to. With more than 1,500 holiday homes across Europe, The Holiday Property Bond makes it easier to enjoy those kinds of holidays again and again.
The Holiday Property Bond is a financial product, and its sale is authorised and regulated by the Financial Conduct Authority. New Bondholders also benefit from a Money Back Promise: if you’re not completely satisfied with your first HPB holiday, you can cash in your investment within 14 days of returning. You will get the full amount of your original payment, including charges, provided the holiday was taken within three years of investing.
To find out more about how The Holiday Property Bond works, browse its collection of holiday homes or request a free illustrated brochure.
Compliance
An initial payment from £5,000 and a quarterly fee of under £39 (that is around £155 a year), which can increase in line with but not exceed the Retail Price Index Excluding Mortgage Interest (RPIX), gives you access to all HPB’s holiday homes. For each HPB holiday you will pay a no-profit user charge covering only property running and maintenance costs, and use of on-site facilities. The charge is the same throughout the year – there are no high season premiums. The average weekly charge for a studio sleeping two is around £388 and around £597 for a two-bedroom property, larger properties are also available. After an initial charge of 25% your money is invested in a fund of holiday properties and securities. The fund itself meets annual charges of 2.5% of its net assets at cost, calculated monthly. Your investment return is purely in the form of holidays and, as with most investments, your capital is at risk. You can surrender your investment to the company after two years or more (subject to deferral in exceptional circumstances) but you will get back less than you invested because of the charges referred to above, as well as other overheads and changes in the value of the fund’s properties and securities.
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. We are now unable to accept new applications from residents of EU countries and some other jurisdictions. HPB Assurance Limited reserves the right to decline an application at its sole discretion.