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Planning Retirement Online


The holiday of a lifetime - or a lifetime of holidays?

Advertising Feature

Tigh Mor Trossachs
Tigh Mor Trossachs, Holiday Property Bond's Perthshire Home

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.


When making the choice between a single luxury holiday and investing with HPB, the Wright family were glad they chose the latter

The Wright Family


So how does it work for investors? We interviewed them to find out:

  • We had a bit of a financial windfall in 2017 and were wondering what to do with it. The money was enough to pay for a one-off, once-in-a-lifetime holiday – and we did consider it. But we were also aware of the Holiday Property Bond; some close friends of ours had invested many years ago, and had nothing but good things to say about HPB.

  • One day we went onto the HPB website and saw there was an Open Day happening quite near to our Norfolk home, at theBarnham Broom Hotel and Country Club where HPB has a number of properties. We went along and had a look; and that was that. The representative wasn’t at all pushy, which impressed us, but the quality of the accommodation and the facilities – Barnham Broom, Norfolktwo Championship-standard 18-hole golf courses, the fully-equipped gym, the spa, the onsite restaurants – spoke for themselves.

  • We became Bondholders in May 2017, and took our first HPB holiday the following October – to Tigh Mor Trossachs, the Bond’s Perthshire home. What a place! That amazing, turreted edifice, looking like a fairy-tale castle, and its location, just take your breath away – when you first see it, it hardly seems real. Our property looked out across Loch Achray, so all we had to do was draw back the curtains in the morning, and there was That View – which helped to reconfirm that we had done the right thing in investing in HPB.

  • I like to look before I leap, to check things out – but I have to say, with HPB there was little or nothing to check out. The Bond is exactly what it claims to be, no more, no less; everything is totally transparent.

  • We, as Bondholders, get to holiday paying only a not-for-profit User Charge, which is entirely justified: as well as heating, lighting, laundry and so on, it pays for onsite facilities that are beyond fantastic – the indoor swimming pool, the games room, the tennis courts, the trout-fishing pond, plus-plus-plus.

  • One of the reasons we signed up was so that our three children, and their children, could benefit from our investment, now and in the future – our three, Lee, Kay and Laura, will inherit our Bond in the fullness of time – and I must Tigh Mor Trossachs across a lakesay I can’t wait to take our three grandchildren on holiday, to Tigh Mor and elsewhere. Our son-in-law, David, is now thinking of investing in his own right, which must mean that he, too, can see the value in a lifetime of holidays.

  • We’re both retired now, so we are also able to take advantage of short-notice Points-free holidays. We can just pack our bags and go, keeping all of our Holiday Points in the ‘bank’, so to speak.

  • I think we know that our money has been invested wisely. Knowing that HPB has been around for nearly three-and-a-half decades, and has never borrowed money to fund its developments, is both reassuring and impressive.

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.


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.

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.

Holiday Property Bond

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