Celebrating Holiday Property Bond's Differences

Date published: 29 Aug 17

HPB - Tigh Mor Trossachs, ScotlandThe 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. With more than 30 years’ experience, the HPB portfolio has grown to over 1,400 self-catering holiday homes including villas, cottages and apartments – with more being planned – all available exclusively to over 42,000 investors.

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.”

Holiday Property BondAbout 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 series.

Holiday Property Bond

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!”

HPB - Coreggia, Puglia, ItalyThe 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 its best.

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.

HPB - Puglia, ItalyA 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.”

What’s next?

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 here.

HPB will send you their information pack, including their full colour brochure and introductory DVD, free.

Important Information
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.

Your money, after charges, goes into a life assurance bond which invests in a fund of properties and securities. Your investment’s value will go up or down to reflect changes in the value of those properties and securities and payment of management charges and expenses by the fund. Properties are booked for a no profit “user charge” and Points issued with the Bond. There is a quarterly fee of around thirty pounds linked to RPI. You can surrender your investment to the company only after two years or more but you may get back less than you paid. Exceptionally surrender may be deferred up to twelve months. Minimum initial payment £5,000 and no medical examination required. HPB is available exclusively through HPBM who will only charge for their services if you invest.

HPBM is able to advise only on 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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