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A unique way to enjoy exclusive holidays year after year

Q. How does it work?

A. The way the Bond works is simple. Families like yours invest from £5,000 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 £130 a year.

Q. Will there be more properties in the future?

A. As we attract more investors the more properties we will add to the portfolio – increasing your holiday choice still further.

Q. How long can I holiday with HPB?

A. 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.

Q. Is the Bond available anywhere else?

A. No. HPB is available exclusively through HPB Management Limited.

Holiday update from HPB

The holiday sector has been in the papers recently, with many holidaymakers concerned about reported financial problems at some companies. The good news is that the Holiday Property Bond is unaffected.

The Holiday Property Bond has been going strong since 1983 and has grown to offer a portfolio of over 1,400 properties across Europe and the UK. The Bond has no borrowings and never has had. To safeguard HPB’s assets, they are controlled by an independent trustee. We are still growing, adding new properties and refurbishing existing ones every year. Over 42,000 Bondholders across the UK now trust us to provide high quality holidays in stunning locations – for life.

Great options for staycationers

If you’re thinking of staying this side of the Channel for your next holiday, HPB have over 500 properties in 18 stunning locations across the UK. Many are situated in Areas of Outstanding Natural Beauty and National Parks.

All arranged for you

And if you wish to holiday at one of the Bond’s European locations, HPB Travel Club can arrange all your travel and itinerary for you, finding the best flights and transfers, arranging car hire and more. For your protection, the Club is ABTA-bonded and covered under the ATOL scheme.

For further details about HPB and its principal risks and benefits please read "What makes HPB holidays so unique".

Before you leave...

Have you thought about having an Private Tour at one of our HPB holiday locations in the UK?

Why not request our Tell Me More pack including our full portfolio?

We would love to hear your thoughts on your visit to Insight Online

Our survey will only take a few minutes and one lucky participant will win £250 cash


Thank you for contacting your representative

Your local representative: HPB Sales will shortly be in contact regarding your enquiry.

In the meantime, please feel free to take a look around the website and discover more about HPB.

Your inflation-protected Holiday Points

HPB's holiday benefits are provided through a Holiday Points system. Each £1 you invest adds one Holiday Point to the allocation of Holiday Points that you receive every year for as long as you hold your bond. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, with the number of Holiday Points required depending on the location, size of property and season.

Here are some examples of how it works in practice (2022 rates):

For two people, holidaying out of season:
A week in Stigliano, Tuscany from 1,530 points
A week in The Trossachs, Scotland from 2,430 points
A week in St Brides Castle, Pembrokeshire from 2,260 points

And in the height of summer:
A week in Rocha Brava, Portgual from 8,190 points
A week in the Lake District from 9,760 points
A week in Le Mont de St Siméon, France from 14,180 points

If you have a minimum qualifying investment you can also book Short Notice Points Free holidays, subject to availability. Bookings can be made up to 28 days in advance for UK holidays and up to 56 days in advance for overseas. Even if you do not have a qualifying investment, you can still book Short Notice Points Free holidays up to 21 days ahead in the UK and up to 42 days ahead overseas.

Inflation protection: Your Holiday Points allocation is re-valued every year in line with the cost of providing additional holiday accommodation for new investors. This means your holiday accommodation booking power is fixed and protected against inflation. So you can look forward to top quality holidays for life.

User Charge

The no-profit user charge is all you pay when you book your holiday. It covers the actual costs of servicing the properties, including housekeeping, laundry and maintenance of the many free-to-use-onsite facilities. It is charged per property - NOT per person. And it does not vary with the season: instead, the user-charge remains constant all year round.

For example:

A week for two in the Scottish Highlands could cost around £433 user charge, including VAT*, even at the height of the season.

A week for a party of eight in a four bedroom villa at Physkos, Turkey, in August could cost around £485 in user charge*

*Prices for 2021 and for Turkey based on exchange rate of £1 = 10.5 Turkish Lira (may vary)


If you do not use our "Money Back Promise" offer explained in "How HPB works", you may cash in after two years at a value linked to that of the properties and securities but you should not expect to get back the full amount you paid because of charges and changes in the value of HPB’s properties and securities. In exceptional circumstances cashing in may be deferred for up to twelve months.

We're so confident you'll be delighted with HPB that we offer you a 'Money Back Promise'!

In regular surveys, Bondholders tell us how happy they are with HPB holidays. That's why we feel confident in giving you the extra reassurance of our unprecedented 'Money Back Promise':

If you take your first HPB holiday within three years of investing and are not, for any reason, entirely happy, you can cash in your HPB investment within 14 days of your return.

Whatever the encashment value, the parent company of the issuer of HPB will make up any difference so that you get back the full amount of your original payment, including charges.

This offer applies to a holiday at any HPB owned property which is taken by at least one of the Bondholders themselves.

Full details of the offer will be provided before you invest.

Data Policy

By responding, you agree to us sending you further information by letter, SMS, telephone and/or email. We confirm that we will NOT pass your details to any unconnected parties but other members of our corporate group may also contact you in any of these ways with other holiday offers.

If you would prefer them not to, please tick here


Prize Draw

All brochure requests received by 28th April 2017 will be entered into our cash prize draw to win 7 individual prizes totalling £2,500.

1st prize £1,250, 2nd prize £750, plus 5 x £100 of cash to be won!

No purchase necessary. Drawn 28th April 2017. Winners notified, winners list available 08th May 2017. Claim prizes by 30th June 2017. Those under 18, HPB investors, employees, associates or those in their households are not eligible. One entry per household. Full rules on request.

Privacy Policy


This Privacy Policy explains how HPB Management Limited ("HPBM") will collect, store and use the personal data you supply and how HPBM will monitor use of our websites. Personal data is information which relates to identifiable living individuals.

It is HPBM's stated policy that we will act in accordance with current legislation and aim to meet current best practice with regard to the processing of personal data.

This Privacy Policy does not cover links within any of our websites to other external websites.

Collection of Personal Data

In using any of our websites you may provide certain personal data to HPBM which we will compile and process in accordance with this Privacy Policy.

Use of Personal Data

The names and addresses of investors in the Holiday Property Bond or those enquiring about it are never passed or sold to any unrelated third parties.

Investors in the Holiday Property Bond will receive regular information (by letter, email, SMS, telephone and/or otherwise) from HPBM concerning the Holiday Property Bond’s properties and your investment in and holidays with the Holiday Property Bond and related matters. As an enquirer you will receive information (by letter, email, SMS, telephone and/or otherwise) from HPBM about the Holiday Property Bond and information which we believe may be of interest to you in considering the Holiday Property Bond.

The names and addresses of investors or enquirers are only passed to our associate companies in the Quality Holidays Assured Group. These companies may then send information (by letter, email, SMS, telephone and/or otherwise) relating to travel services, rental properties, other holiday opportunities and any other offers which they believe may be of benefit to investors in or enquirers about the Holiday Property Bond. If, however, you do not wish to continue receiving such communications, you should use the contact details below and your name will be removed from the appropriate list:

James Boyce, Managing Director, HPB Management Limited, HPB House, Newmarket, Suffolk, CB8 8EH or email privacy@hpb.co.uk

Storage and Collection of Personal Data

HPBM will retain any personal data it holds unless and until you tell us that you no longer wish us to retain it. We are obliged to supply you, on request, with a copy of any personal data we hold about you. If you wish us to erase any personal data we hold or see a copy of the personal data, please contact James Boyce at the above address or email for more details. Should you discover any inaccuracies in your personal details, please notify us as soon as possible at the same address or email and we will correct those details. Where data is no longer required, we will ensure that it is disposed of in a secure manner.

Cookie Policy

Cookies - General Information

Cookies are tiny text files stored on your computer when you visit certain web pages. They cannot harm your computer, but they can make web surfing easier by saving your preferences. They do not tell us your individual identity unless you have chosen to provide it.

Our use of cookies

On all our websites

We use Google Analytics to help analyse how visitors use our websites. We specifically use _utma and _utmz which provide us with completely anonymous information. We also use cookies to remember selections or preferences you have already made.

On our "Bondholder" Only Section

If an investor ("Bondholder") chooses "remember me" when logging in to the Bondholder only section of our website hpb.co.uk we store an encrypted user name and password cookie on the user's machine. This will be referred to the next time they visit hpb.co.uk and wish to log in to the Bondholder section.

On our Public Websites

We use cookies to identify visitors to Insight Online who have previously provided us with their name and address and subsequently log in to this site. This then allows us to track the pages they are visiting and offer them further information and help in the most efficient manner.

On all our public websites we may use cookies written by Google which allow us to show HPB advertisements to previous visitors to one of our websites when they browse other websites on the internet. Further information on Google remarketing can be found here.

We also use cookies which tell us which of our websites the user first visited. In other words, if a user has visited one of our websites, but then goes away and comes back to another of our websites, we can track the first site they visited.


You can choose to refuse cookies or tell your browser to let you know each time that a website tries to set a cookie. However, refusing cookies may mean some sections of our websites will not work properly.

For more information about cookies (including how to turn them off) please visit www.allaboutcookies.org.

HPB provides holidays for life. As it is an investment product, however, it is subject to charges, your capital is at risk and you may not be able to cash in during the first two years. Please read "What makes HPB holidays so unique" for a summary of the principal risks and benefits.

Welcome to Insight, your window on the Holiday Property Bond - with Bondholders' own stories, great videos, a look at the Bond's 1,400-plus beautiful holiday properties, all in gorgeous locations...and more. All the things that make Bond holidays great. Come in and take a look around!

We're so confident you'll be delighted with HPB that we offer you a 'Money Back Promise'! Find out more

What makes HPB holidays unique?

We've answered the most common questions we receive about HPB holidays explaining the benefits, the risks and the costs.

Find out more
Main video

Experience the exclusive world of HPB for yourself

Sue Barker takes you on a tour around our top-class holiday properties throughout the UK and Europe.

Watch Now

Book a Private Tour or a Personal Presentation

Come and see HPB's beautiful UK properties for yourself or have a Personal Presentation at a local hotel

Come and take a look around our sites

Property Portfolio

Discover over 1,400 superb holiday homes

View our Property Portfolio
New articles added

Hear what Bondholders have to say

Let our expert 'Bondholders' take you on some of their holiday experiences.

Read what our Bondholders say

New articles added

Get out and about around the sites

Read interesting stories about our investors and what they get up to around the sites.

Read what Bondholders do on our sites
New articles added

Your expanding Bond

Take a look at some of HPB's new holiday developments.

Discover our developing world

Recently added Articles

HPB’s Lakeland hotel reopens

The Holiday Property Bond’s boutique hotel has finally opened its doors.

Read More

Article section: Get around and about the sites

The perils of ‘putting it off’

“Is it possible to regret one of the best decisions we’ve ever made? Yes – because we wish we’d made it sooner!” – Steve Pinnington

Read More

Article section: Hear what Bondholders have to say

Holiday Certainty

Holiday certainty in an uncertain world… this promise, used in much of our advertising over the past turbulent year, remains just as true as ever...

Read More

Article section: Meet our staff

Holiday Property Bond highly commended in the category of Best Self-Catering Travel Company at the 2020 Silver Travel Awards

We are proud to announce that we have been highly commended in the category of ‘Best Self-Catering Travel Company’ at the 2020 Silver Travel Awards.

Read More

Article section: Get around and about the sites


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 Equiom (Isle of Man) Limited registered at Jubilee Buildings, Victoria Street, Douglas, Isle of Man, IM1 2SH. The Securities Manager is Stanhope Capital LLP of 35 Portman Square, London, W1H 6LR.

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. No medical examination required. HPB is available exclusively through HPBM. HPBM promotes only HPB and is not independent of HPBA.

HPB Management Limited registered in England, number 1581593. Registered office HPB House, Newmarket, CB8 8EH.
Authorised and regulated by the Financial Conduct Authority