Should I invest in the Holiday Property Bond in 2024?

The Holiday Property Bond is a financial product and is technically a life assurance bond. Its marketing and promotion require that HPB is authorised and regulated by the Financial Conduct Authority. As the Bond is a financial product, your capital is at risk and you should not expect to get back the full amount you have paid.

The minimum initial payment is just £5,000, but the more you invest the more holiday entitlement you will have. We can help you get started with an interest-free loan of between £3,000 and £9,000, repayable in 12 equal monthly instalments (subject to a minimum cash deposit of £2,000 to £4,000). Thereafter, there is a quarterly fee of less than £38 (that is around £150 a year), linked to RPIX.

When you holiday with HPB, you pay a non-profit user charge to cover expenses like electricity, cleaning and gardening. The charge is level throughout the year. The average charge for a studio is around £360 and around £540 for a two bedroom property, for a week. Larger properties are also available.

How much you invest will depend on your own circumstances and the holidays you want. One of our representatives can explain it to you so you can make your own decision as to whether it might be right for you.

Of course. Watch the video below for an overview of the Holiday Property Bond given by Sue Barker CBE, a former TV presenter and HPB Bondholder.

The Holiday Property Bond is not designed to deliver monetary returns or growth. Instead, you are investing in the opportunity to enjoy high quality and exclusive self-catering holidays. Your money buys you holiday points, which you can use every year to book the HPB property of your choice. You can choose to holiday at any of HPB’s 32 locations across 13 European countries, with over 1,500 properties available – including over 600 properties in the UK.

HPB is an extremely flexible way to enjoy a wide variety of holidays. You can take your pick from our portfolio of stunning locations and holiday somewhere different every year – and at any time of year you choose. The only limitations are the availability and the amount of holiday points you have.

Your holiday entitlement is reissued to you every year and increased in-line with standard increases across the holiday points chart, meaning your holiday booking power is inflation-protected. So, if you value holidays and enjoying time with friends and family, you may well want to consider investing in the Holiday Property Bond.

Today there are over 40,000 Bondholders. They come from all sorts of backgrounds but share a desire to enjoy holidays in quality properties in excellent locations.

Your investment can last as long as you like. Rather than investing for growth, you are investing for the opportunity to take holiday after holiday. Your holiday benefits last for your lifetime – and could last even longer. You can use your Holiday Points to book holidays year after year and, in due course, you can pass your Bond on to your children and grandchildren. They can then enjoy the benefits of the Bond themselves, or cash it in if they prefer.

As a Bondholder, you can access holiday benefits through our Holiday Points system. Each £1 you invest entitles you to one Holiday Point every year. Every time you book a holiday, you exchange Holiday Points for the property you want. The number of points you need will depend on the location of the property, the property size and the season. Your Holiday Points will be reissued to you every year. If you choose not to use them in one particular year, you can ‘roll them over’ to use in the following one, perhaps to secure a larger property, for example.

The Holiday Property Bond is a different way to holiday and to make the most of your money. Rather than investing for growth, you are putting your money into a life assurance bond linked to a fund investing in high quality holiday property and securities. In effect, your money purchases you holiday entitlement, which you can use again and again, year after year, to book the HPB property of your choice.

For every £1 invested, you receive one Holiday Point, and your Holiday Points are reissued to you every year. So, rather than investing your money in stocks and shares, you are using it to enjoy a lifetime of exclusive holidays in comfortable and well-equipped properties, situated in some of the UK and Europe’s most beautiful locations.

Yes. You can cash in your Bond after two years for its then value, subject to deferral in exceptional circumstances. You will get back less than you invested because of the initial and annual charges, as well as other overheads and changes in the value of the fund’s properties and securities.

You certainly could use other investments to pay for your holidays. The potential problem with this, of course, is that if there is a downturn in other investment markets then the return to pay for a holiday may not be there. If you have invested in HPB, then the holiday benefits will still be available regardless of the performance of the underlying HPB Fund.

Not only that, with HPB your holiday booking power remains consistent, year after year. That is because your holiday entitlement is reissued to you every year and increased in-line with standard increases across the holiday points chart, meaning your holiday booking power is inflation-protected.

You can use your holiday entitlement to book a property at any of HPB’s 32 locations across 13 European countries. There are over 1,500 available – including over 600 properties in the UK – and you can book anything from a studio apartment for two to a large, pet-friendly cottage for a gathering of the clans.