Spoilt for choice with the Holiday Property Bond - Silversurfers (2024)

From a restored mansion in the Scottish Highlands to a stylish villa in Southern Spain, an investment in the Holiday Property Bond allows you to enjoy wonderful holidays all over the UK and Europe.

With over 1,500 superb holiday homes in 32 locations, it is easy to enjoy fantastic holidays year after year. But don’t just take our word from it – the best reviews come from our existing Bondholders, such as John Storey from North Yorkshire.

John, now retired, and wife Sarah, a former teacher, discovered the Holiday Property Bond as guests of Bondholder friends. “Without a doubt, the easiest way to ‘sell’ the Bond is to allow the Bond to sell itself,” John reflects. “Having had two Bond holidays with our friends we could see that the superb standards we enjoyed the first time round of accommodation, service, facilities, and location were no fluke. Sarah and I thought: ‘Hmm…We’ll have some more of this!’”

Since becoming Bondholders themselves, the Storeys have wasted no time in “maximising the return” on their investment. Overseas holidays have taken them to Stigliano in Tuscany; Constant in the Dordogne; La Reserva de Biniorella in Majorca; and Rocha Brava in the Algarve. Meanwhile UK holidays have seen them enjoying Tigh Mor Trossachs in Perthshire; Henllys in Anglesey; Langton House in Dorset; Braithwaite Court in Cumbria; Buckland Court in the Cotswolds; and Barnham Broom in Norfolk.

“It’s a great opportunity for generations of the family to get together,” says Sarah, “in a relaxed atmosphere and beautiful surroundings.” “Our daughter, Jane, and her family haven’t yet used our Bond to holiday independently of us,” adds John. “But our son, David, has: at Sibton Park, in Kent, and at Biniorella.! And now that our children have children of their own, their use is likely to increase.”

Pressed to name a favourite site, the Storeys plump for not one, but two. “In the UK, it has to be Henllys,” says John. “The views are wonderful; the facilities are great – and the onsite golf course appeals to both me and my son-in-law! Mind you, with two courses Barnham Broom offers great golf too.”

Sarah, meanwhile, rates Constant very highly. “The Dordogne is beautiful anyway – the site, a fully restored French hamlet, is in such lovely countryside,” she adds. “And the site and its facilities are exceptional.”

Sites on John and Sarah’s wish list include Duloe Manor in Cornwall and St Brides Castle in Pembrokeshire. “We love exploring the countryside, and coastlines – for which both Wales and Cornwall are famous.”

Sarah and John are both enjoying an active retirement. Both like walking, gardening, books and films – and volunteering; they both volunteer for the National Trust. John, however, has also indulged his passion for folk music – indeed, he spends much of his time writing songs and performing in Yorkshire folk clubs and has three CDs to his name. Might he be persuaded to write a song about the Holiday Property Bond? “I don’t know about that,” he smiles. “But I’m happy to sing the Bond’s praises!”

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Spoilt for choice with the Holiday Property Bond - Silversurfers (1)

Exclusive holidays for life: An initial payment from £5,000 and a quarterly fee of under £38 (that is around £150 a year), which can increase in line with but not exceed the Retail Price Index Excluding Mortgage Interest (RPIX), 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 average charge is the same throughout the year, and for a studio is around £360 a week and £540 for a two bedroom property. 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% of its net assets at cost, calculated monthly. 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 circ*mstances) 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 advertisem*nt is issued by HPB Management Limited (HPBM), the main UK agent and the property manager for HPB, authorised and regulated by the Financial Conduct Authority, registered at HPB House, Newmarket, Suffolk, CB8 8EH. HPB is available exclusively through HPBM. HPB is issued by HPB Assurance Limited (HPBA) registered in the Isle of Man and authorised by the Financial Services Authority there. 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.

Spoilt for choice with the Holiday Property Bond - Silversurfers (2)ADVERTORIAL

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Latest posts by Holiday Property Bond (see all)

  • Making up for lost time - August 23, 2024
  • Journeys of discovery - July 15, 2024
  • Holidays for life for the whole family - June 26, 2024
  • Spoilt for choice with the Holiday Property Bond - April 12, 2024
  • We have never regretted our decision to become Bondholders - March 14, 2024
Spoilt for choice with the Holiday Property Bond - Silversurfers (2024)

FAQs

Are holiday property bonds a good idea? ›

Although HPB is all about the holiday benefits you can enjoy, it is an investment product. This means that it is subject to charges, your capital is at risk and you may not be able to cash in during the first two years.

Can I sell my holiday property bond? ›

If you take your first HPB holiday within three years of investing and are not, for any reason, entirely happy, you can apply to 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.

Is holiday property bond a timeshare? ›

Unlike a timeshare, where you are limited to a single property and/or one designated week, unless you also join an exchange scheme, with HPB you can choose from over 1,500 holiday properties at any time of year with no exchange fees – the only limitation is availability.

How do I unsubscribe from HPB? ›

There will be frequent opportunities to opt out of such material but in any event, you can stop receiving mailings and information by emailing details@hpb.co.uk or telephoning 01638 660066 quoting your name and postcode and asking to be removed from our mailing list.

What is a disadvantage of buying a bond? ›

Historically, bonds have provided lower long-term returns than stocks. Bond prices fall when interest rates go up. Long-term bonds, especially, suffer from price fluctuations as interest rates rise and fall.

What are the disadvantages of an investment bond? ›

Cons
  • Typically, money is tied up for at least five years and early cash-ins might result in significant penalties.
  • Returns are not guaranteed, and the value of the bonds can fluctuate, potentially not covering care costs.
  • Various charges apply, including initial, annual and cash-in charges.

What is the annual fee for the HPB fund? ›

The HPB fund has an initial charge of 25% and the fund itself pays annual charges of around 2.5% of its net assets at cost, calculated monthly, as well as overheads.

How good is HPB? ›

HPB's holiday booking service has been rated 4.7 out of 5 based on 14737 customer reviews on Feefo.

When should a bond be sold? ›

If the holding period return generated by selling now is equal to or greater than if you held it until maturity, it's time to sell.

Does owning a timeshare count as real estate? ›

A timeshare can be owned either as a real property interest (represented by a real estate deed) or as a personal property interest (represented by timeshare “points” or units in an entity that owns the property). The ownership characteristics greatly affect how a timeshare should be handled at the death of its owner.

Who owns the property in a timeshare estate? ›

Shared-Lease

In this structure, the timeshare developer retains the deed to the property, unlike the shared-deeded model, where the buyer gets the deed for a fraction of the property. Property transfers or resales are also more restrictive than with a deeded timeshare.

Is a timeshare a debt? ›

Often, when you purchase a deeded interest timeshare, you take out a loan and give the lender a "lien" against the timeshare. If you don't pay, the lender can sell or "foreclose" the timeshare and use the proceeds to pay down your debt.

How do I cancel a subscription I don't want? ›

Identify all your subscriptions. Check your credit card statements for recurring payments. One easy way to do this is use a subscription tracking tool, such as Rocket Money or OneMain Trim, which finds and then helps you cancel subscriptions you no longer want. Second, opt out!

How do I cancel HP+? ›

Step A
  1. Sign in to your account at hpprintplans.com/signin.
  2. In the left hand navigation bar open the HP+ Print Plans menu and select Plan Overview.
  3. In the upper right section of the page, confirm the correct printer is displayed. ...
  4. Select Change Plan.
  5. Select 'Cancel my HP+ Print Plan Subscription'.

How do I cancel a subscription contract? ›

The most amicable way to exit a contract is to have a frank and honest conversation with the parties involved. This is an opportunity to share why one cannot proceed with the contract in the first place. As long as both parties can come to a suitable agreement, then the agreement can be changed or terminated.

Is selling your home during the holidays a good idea? ›

While the thought of selling your home during the winter months may dampen your holiday spirit, the season does have its advantages: holiday buyers tend to be more serious and competition is less fierce with fewer homes being actively marketed.

Is it better to invest in bonds or property? ›

The answer to the question depends on people's unique circ*mstances and goals. Someone seeking passive income without too much hassle will clearly opt for treasury bonds. On the other hand, someone wishing to build long-term term wealth with some reasonable capital may opt for real estate.

Is Investing in the bond market good or bad? ›

Although they may not necessarily provide the biggest returns, bonds are considered a reliable investment tool. That's because they are known to provide regular income. But they are also considered to be a stable and sound way to invest your money.

Are bond funds worth owning? ›

The key benefits to owning bond funds are: Greater diversification per dollar invested: It is much easier to achieve a diversified bond portfolio per dollar invested using a fund, because you obtain exposure to a basket of bonds within the fund.

References

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