Want to get away to some of the most unspoilt places in Europe? Join television presenter, Sue Barker OBE, as she gives a quick insight into just some of the stunning holiday locations that are available with the impressive Holiday Property Bond portfolio. Call 0800 116 4323 to find out more. Please read below for a summary of the Holiday Property Bond and the risks and charges of an investment.

Exclusive holidays for life : An initial payment from £5,000 and a quarterly fee of just over £30 (that is around £125 a year), linked to RPI, gives you access to all HPB’s holiday homes. For each HPB holiday, you will pay a no-profit user charge covering only property running and maintenance costs and use of on-site facilities. The charge is level throughout the year – there are no high season premiums.

For a studio for two the charge averages about £300 a week, for a 2-bedroom property sleeping up to six around £460 a week. Larger properties are also available. After an initial charge of 25% your money is invested in a fund of holiday properties and securities. The fund itself meets annual charges of 2.5%. Your investment return is purely in the form of holidays and, as with most investments, your capital is at risk.

You can surrender your investment to the company after two years or more (subject to deferral in exceptional circumstances) but you will get back less than you invested because of the charges referred to above, as well as other overheads and changes in the value of the fund’s properties and securities. 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 Adviser is Stanhope Capital LLP of 35 Portman Square, London, W1H 6LR. No medical examination required. HPB is available exclusively through HPBM. 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. We are now unable to accept new applications from residents of EU countries and some other jurisdictions. HPB Assurance Limited reserves the right to decline an application at its sole discretion.