Celebrating Holiday Property Bond's Differences
The Holiday Property Bond offers exclusive access to over 1,400 properties to its 42,000 investors across more than 30 locations. You can read below about how one couple have benefitted from The Holiday Property Bond, but first a brief explanation about the Holiday Property Bond.
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.
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.”
You can enjoy holidays like this too
Find out more about how you can take your pick from over 1,400 holiday properties at more than 30 stunning locations in the UK and throughout Europe. Click here for your free HPB information pack, with full colour brochure and introductory DVD.
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.
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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