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This article was written for Silversurfers, which is now part of Rest Less.
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From an authentic Andalucian village framed by olive groves, to a peaceful retreat in the hills of the Scottish Borders, the Holiday Property Bond opens a world of enriching travel experiences.
Whether your perfect escape means exploring ruins in the Dordogne or enjoying a coffee on a balcony in the Algarve, HPB lets you holiday on your terms – something that Ian Underwood and his wife Ruth have embraced for more than three decades.
“Holidays, food, wine… What more could you ask for?” laughs Ian. “We love our holidays and we love good food and wine, and with HPB we get all three. We’re huge fans of seafood, and with so many of the Bond sites near the sea we’re spoilt for choice. In fact, our very first Bond holiday was a food and drink ‘Theme Week’ (organised activity breaks at HPB sites) at Stigliano in Tuscany – it was amazing.”
Ian and his wife Ruth live in Derbyshire but have spent much of their life abroad with the forces, experiencing different cultures and food.
“It was a good friend and neighbour who introduced us to HPB. We arranged a Private Tour at Sibton Park in Kent, liked what we saw and invested,” says Ruth. “That was over 30 years ago and we haven’t looked back. We’ve even added to our investment several times since. This has allowed us to take longer breaks, more often. We also take advantage of the Short-notice Points-free system which allows us to book properties without using any of our Holiday Points.”
Living it up at Le Manoir
Ruth adds: “This latest break at Le Manoir du Hilguy is for four weeks and we’ve already booked another three weeks in the future. It’s not just the magnificent location and grounds, but also the people. Bondholders in general are a sociable bunch, but we find they are especially friendly here, and many are foodies like us. The onsite restaurant is exceptional, and with the new chef, it’s in a class of its own. It’s a great meeting place and although we may start off eating on our own, we always end up sharing desserts, wine and lots of stories. There’s a wonderful sense of camaraderie here.”
“Of course we’re not just here for the beer,” quips Ian. “This is a lovely area with endless places to visit. It’s steeped in history and tradition, and there always seems to be a fête or festival somewhere. The Breton countryside is spectacular, as are the beaches: perfect for working up an appetite, or walking off another delicious lunch!”
Moments Worth Sharing
“We have managed to tear ourselves away from Le Manoir and enjoyed many of the other Bond locations. Our daughter joined us at Sibton Park in Kent, Tigh Mor in the Scottish Highlands and Constant in the Dordogne, and several years ago friends joined us at Duloe Manor in Cornwall where we went on a fish cookery course at Rick Stein’s in Padstow. Oh, I nearly forgot the ‘Theme Week’ five years ago at Le Manoir where the chef showed us how to shuck oysters, then made us his own special recipe. Bliss!” concludes Ian.
Whether you dream of sipping local wine in a French vineyard or taking in the sunshine charm of the Italian hills, HPB allows you to create holidays shaped by your passions. With access to more than 1,500 properties across the UK and Europe – including hidden gems in the Peak District, the Canary Islands, Tuscany and Madeira – you’ll find variety, comfort and quality at every turn.
Exclusive holidays for life: An initial payment from £5,000 and a quarterly fee of under £38 (that is around £150 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 average charge is the same throughout the year, and for a studio is around £372 a week and £569 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. 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.