The Holiday Property Bond offers its 42,000 investors exclusive access to over 1,400 properties across more than 30 locations. You can read below about how the confidence in the Holiday Property Bond is greater than ever, 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 just over £30 – that is around £125 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.
Confidence in the Holiday Property Bond is greater than ever
In these uncertain times, when people are afraid to book holidays and many of those who have had to cancel have no idea if they will get their money back, HPB has been overwhelmed by the show of confidence from its investors. ‘Bondholders’, as these investors are known, have been greatly encouraged by the way HPB has handled the COVID-19 pandemic and the adapted cancellation policy that was introduced. They have continued to refer their family and friends to HPB by the hundreds and are even continuing to add money themselves so increasing their holiday entitlements ready for when it is safe to travel again.
HPB always puts its Bondholders’ needs first and those Bondholders are unashamedly proud of their product. Marketing of the Holiday Property Bond is through a company authorised and regulated by the Financial Conduct Authority and there is a Bondholder Committee with a majority of independent members that provides investor feedback to management. HPB has never borrowed money, it continues to grow its portfolio of holiday properties only through new investor funds.
Communication has been paramount during the coronavirus crisis and HPB has ensured that its Bondholders were kept up to date with cancellation policies and assured that they would not lose any of their holiday entitlement. HPB Travel Club, which is fully ABTA and ATOL protected, has worked tirelessly to repatriate those Bondholders who were at HPB’s overseas sites, and to organise full refunds for travel arrangements that had to be cancelled.
Going above and beyond
In March 2020 it became clear very quickly that Bondholders would need to be repatriated as quickly and as efficiently as possible in the light of the travel bans and imminent UK lockdown. With a lot of hard work from the team in the Travel Club, the majority of Bondholders were safely back home by 27 March 2020. Through a series of unfortunate flight cancellations, 10 Bondholders remained stranded in Turkey with their only option for leaving the country being a very arduous, multi-leg, journey. The decision was made to step in.
“The safety and comfort of our Bondholders has always been, and will always be our main priority,” says James Boyce, Managing Director of HPB Management Limited. “During these unusual circumstances it was essential that we found a way to return them to their families.” A private jet was chartered to retrieve them, meeting the Bondholders at Izmir on Friday 3 April. The jet instantly turned for England, arriving safely at Stansted Airport within four hours, enabling the passengers to finally make their way home. “I am hugely impressed by the team’s diligence and commitment to this situation,” Mr Boyce concluded, “and was glad to have the group back safely.”
Read positive feedback from Bondholders themselves, and find out why HPB instils such confidence in its investors in a special edition of the Bondholders’ quarterly magazine.
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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