Celebrating Holiday Property Bond's Differences
The Holiday Property Bond is a unique British idea – a life assurance
bond which gives you and your family the opportunity to enjoy a lifetime
of holidays in an excellent portfolio of properties throughout the UK
and Europe. 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 the ‘Important Information’ section at the end of this advertisement for a summary of the principal risks and benefits.
Robert and Sue Matthews invested in the Holiday Property Bond in 2011 – the second generation of the family to do so.
“My parents were among the earliest
Bondholders,” recalls Robert, a retired chartered accountant. “I remember we
visited Braithwaite Court in Cumbria, and Barnham Broom in Norfolk, on their
Bond. We were very impressed, but it wasn’t really right for us at the time.”
About 12 years ago, Sue and Robert Matthews
again experienced an HPB holiday, this time with friends who are Bondholders,
at El Balcón de Santa Ana, HPB’s home in La Gomera, the second smallest of the
Canary Islands. “It was a different world,” says Sue. “Don’t get me wrong –
Barnham Broom and Braithwaite were both lovely, and still are; but it was great
to see somewhere so different.”
“We were beginning to think about
retirement.” Robert interjects. “The children were pretty much off our hands;
and financially we were in a position to make an investment.”
How’s their experience been so far?
Robert and Sue have been busy Bondholders,
racking up an impressive tally of HPB holidays so far: La Reserva de Biniorella
in Majorca; Henllys in Anglesey; El Pueblito de Alfaix in southern Spain, the HPB’s
newest overseas site; St Brides Castle in Pembrokeshire; Santa Rosa in
Lanzarote; Stigliano in Tuscany; Sibton Park, HPB’s Kentish home; Encosta Cabo
Girão in Madeira; Physkos in Turunç, Turkey; Merlewood in the southern Lake
District; and Lodge Yard in the Yorkshire Dales, as well as the adjacent Kings Arms,
HPB-owned coaching inn made famous in the All Creatures Great and Small TV
And of course, Coreggia in Puglia, southern
Italy, and Tigh Mor Trossachs in Perthshire, where these pictures were taken.
The Italian holiday was, says Sue, “a
revelation”. “Totally different from Tuscany in character and feel; but so
beautiful, and so laid-back. And the trulli – those cone-roofed houses that
characterise the region – are something to behold. And to stay in!”
The Trulli of Alberobello are part of a
UNESCO World Heritage Site, and HPB is lucky enough to have a collection of
these interesting white-washed little houses just outside the town. They make
for a fascinating and unique holiday experience. This is traditional Italy at
Different again was their later trip up to
Tigh Mor, to coincide with the opening of the Lochan, the site’s very own trout
pond. “I’m no rabid angler,” Robert says, “but learning to cast properly, in a
location like that – by the end of it I was beginning to see the attraction.”
“What’s great,” says Sue “is that all the
sites are so diverse. Puglia is different from Perthshire, which is different
from Anglesey, which is different from La Gomera… All the sites offer something
unique to them; but the standard, across the board, is unique to the Holiday
Property Bond, and all of them are excellently managed.”
A family-friendly environment
Sue’s sister and her husband are also
Bondholders, having been converted after seeing how much enjoyment Robert and
Sue were getting out of their investment. They all returned to La Gomera to
celebrate Sue’s sister’s 60th together.
A bonus for them is that they are able to
bring their son Edward and daughter Caroline along with their respective families.
“It’s so nice to get the children and grandchildren out here enjoying HPB with
us. It really is a great way to do family holidays.”
Do the children ever use HPB independently?
“No – we’re too greedy with our Holiday Points!” laughs Robert. “But they are
beneficiaries, so they’ll inherit. Eventually.”
At a time when most investments are so
uncertain, HPB is an investment for you to enjoy. Please read “Important Information” below to
understand the main risks as well as the benefits of an investment. Then, to
discover how you too can enjoy a choice of over 1,400 holiday properties at 32
stunning locations in the UK and throughout Europe, please click
HPB will send you their information pack,
including their full colour brochure and introductory DVD, free.
Important InformationThis 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.
should only invest in HPB for its holiday benefits – consistent quality
and a no profit “user charge” to cover costs rather than a commercial
rent. Although you can surrender your investment back to the company
after two years or more you should not expect a full return of what you
have paid. What you get back will reflect initial and ongoing charges
and costs as well as changes in the value of the properties and
securities in the fund in which your money, after charges, is invested.
Exceptionally surrender may be deferred up to twelve months. Minimum
initial payment £5,000 and then a quarterly fee of around thirty pounds
linked to RPI. No medical examination required. HPB is available
exclusively through HPBM who will only charge for their services if you
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.
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