This article was written for Silversurfers, which is now part of Rest Less.
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From golf to fishing, and relaxation to adventure, one thing that has to be said for the Holiday Property Bond is that there really is something for everyone. Whether your ideal escape involves losing yourself in a good book by the pool, or seeking the thrill of waterskiing and mountaineering, there’s a holiday to match every taste. With such variety, it’s no wonder that the Bond has built up a loyal following over the years.
A leap of faith that paid off
But don’t just take our word for it. Jill Robbins, from Surrey, joined the Holiday Property Bond in 1986 when the Bond was, if not in its infancy, still very much at toddler stage. A leap of faith, surely?
“Not really,” she avers. “We had friends who had invested – and though the portfolio of holiday homes wasn’t anything like as substantial and wide-ranging as it is now, what properties there were, were in places that we liked. Duloe Manor in Cornwall, for example. Great for golf – which I love; and just a stone’s throw from Looe, which has to be everyone’s idea of the perfect fishing village.”
While not quite in the vanguard of pioneering Bond investors, Jill got in early enough to be able to watch HPB grow and develop. “It’s been a fun ride,” she says. “And continues to be! Not all HPB sites are the same – though of course the same could be said of Bondholders; it’s a broad church. And not every site will have ‘across-the-board’ appeal (though I would argue that some, like La Gomera, actually do). But there is more than enough, in terms of both quantity and scope, to satisfy the most demanding holidaymaker. HPB has something for everyone.”
Places to return to time and time again
And it’s a good job too! With so many chances to share breaks with friends and family, HPB’s collection of over 1,500 properties in 30 locations means you’re never short on choices. The fishermen amongst you might set their sights on Tigh Mor in Scotland, with its magnificent location on the edge of Loch Achray. Meanwhile, those who like history and culture with their holidays might travel to Coreggia in Puglia, where you can stay in a traditional trullo. The youngest members of the family will find plenty to enjoy at Le Mont de St Siméon, with its play area and indoor pool, not to mention its proximity to Disneyland!
Beyond the sheer variety of locations, HPB also offers flexibility and value that can make a holiday feel effortless. With options ranging from cosy cottages to more luxurious retreats, it’s easy to find an escape that works for you. Whether you’re planning a quiet retreat for two or a lively family gathering, the Bond makes it simple to enjoy quality time without the stress.
The only problem will be choosing where to go first!
Exclusive holidays for life: 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 average charge is the same throughout the year, 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. 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.