The Holiday Property Bond – how a single holiday home became countless holidays
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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 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.
How the Farquhars sold a holiday home to invest in the fantastic variety of holidays available with HPB
“The chance to explore the most beautiful parts of Europe and the UK, as a couple or
with family and friends, but always with that guarantee of quality. That’s what
HPB means for us.”
– Dr and Mrs Robert Farquhar
Back in 1998, Bob Farquhar and wife Suzanne came along to an HPB Open Day at Buckland Court, the Bond’s Cotswolds home. At the time they had just sold a house near Bordeaux, which was “Lovely, but limited, holidays-wise,” says Suzanne. When they saw the location, superb accommodation and amenities at Buckland Court as well as the portfolio of properties offered by HPB, the couple had a brainwave. “Why not invest some of the money in a way that gives us choice of high-quality holiday homes?”
That’s exactly what Bob and Suzanne did, and
they’ve never looked back since! Over the past 20 years or so, the Farquhars
have holidayed at “Almost every” HPB site. Tigh Mor Trossachs is a favourite –
“We both hail from north of the border, so it’s a chance to enjoy the scenery
we love,” says Bob – as is El Balcón de Santa Ana on the scenic Canary Island
of La Gomera: “Quiet, beautiful, warm and great for walking.”
Fun for all the family
and Bob mostly holiday as a couple, but often take family members too. “Our
son Diarmid and wife Antonia and two children now live in Australia,” says Bob.
“We visit when we can, but unfortunately the HPB empire doesn’t extend that
far! But our daughter Catriona, her husband Rob and our two granddaughters Matilda and Florence are well used to Bond holidays. We took the whole family with us to Encosta Cabo
Girão, HPB’s cliff-top home in the stunning sub-tropical island paradise of Madeira; and the
younger ones regularly accompany us on more local breaks. There's so much for them to do!”
Some screen-free time
The family’s most recent adventure was to Sibton Park, the Bond’s Kentish home, to celebrate Suzanne’s birthday. Matilda loved the tennis courts and Florence the swimming pool. Matilda lost no time getting involved in hunting for bugs as part of Bond Goes Wild, HPB’s scheme to get children away from their smartphones, TVs and laptops, and out and about to explore the natural world around them.
“What a fantastic initiative!” enthuses Suzanne. “One hears so much these days about children being glued to their screens, but give them some encouragement to explore the great outdoors and run about in complete safety, as well as getting up close and personal with all manner of harmless creepy-crawlies, and they love it. It’s a chance to make friends with the other Bondholder kids too. Well done, HPB.”
But when it’s just the two of them, the
Farquhars like nothing more than to head back to the Dordogne, where the photo
at the head of this article was taken at Beynac Castle, and Constant, the Bond’s historic holiday
hamlet. “Not for nothing did we have a holiday home there,” says Bob. “It's one of our favourite places, and we love returning to the region. But it's so nice to know that with HPB we have not just this – but so
much more. We're going back to Stigliano later this year and are looking forward to our first holiday at Coo Palace in Galloway, HPB’s latest
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
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49 people found this feature helpful