Make the most of your holidays with HPB

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Kevin and Sujeewa Gadd with their sons

The Holiday Property Bond makes special family holiday memories possible during the school holidays

Reasonably priced, comfortable accommodation during the school holidays? HPB has the answer.

Kevin and Sujeewa Gadd are school teachers and know all too well the cost of going on holiday during peak season.

“We have no choice about when we go,” says Kevin. “Over the years we’ve paid a ridiculous amount of money for what can only be described as very basic accommodation in very ordinary places.”

The couple, from Buckinghamshire, have two sons: eight-year-old Austin and six-year-old Elliot. Both are football, tennis and swimming mad — hardly surprising, as their dad is Head of PE at a London school. “When the boys came along,” Kevin continues, “holidays became even more important. We didn’t want to waste them, or our money.”

Fortunately, Sujeewa, who is Director of Sixth Form and a history teacher at a school in London, spotted an advertisement for the Holiday Property Bond in a magazine. “I recognised Sue Barker and was intrigued. Ever the cynic, I assumed it was just a fancy kind of timeshare. But after doing a bit of research, I liked what I read and arranged a home visit from a representative. It was very informative. It still seemed too good to be true, but we loved the locations and the on-site facilities. We did some calculations and realised we could afford to go away during the school holidays every year — for life. There was no pressure, and the process was straightforward, with the reassurance of a money-back guarantee if we weren’t completely happy. That’s what really persuaded us to give HPB a try.”

The Scottish Highlands

They signed up in 2018 and took their first Bond holiday at Tigh Mor in the Scottish Highlands in 2019. “We knew straight away we’d made the right decision,” says Sujeewa. “Everything was perfect. We loved Tigh Mor and decided to go ahead with HPB. We’ve even made friends with other Bondholders, particularly after holidays at Santa Rosa in Lanzarote and La Reserva de Biniorella in Mallorca. We still meet up with them back in the UK and often share our holidays at HPB locations.”

“One of the things we really appreciate about HPB — and there are many — is the quality of the on-site sports facilities. They’re always well maintained and provide hours of entertainment, especially for the boys. The properties themselves are attractive, spotless and wonderfully safe for children. For example, at Biniorella, which we’ve just returned from, Austin and Elliot were in their element with the Kids’ Club. It’s brilliant. They spent their days playing football, tennis or swimming from morning to night, having an amazing time with the other children. Happy children mean happy parents!”

Since becoming Bondholders, Kevin and Sujeewa have visited Tigh Mor (three times), Biniorella (twice), Santa Rosa, Merlewood in Cumbria, Duloe Manor in Cornwall, Barnham Broom in Norfolk, Lower Knapp Farm in Devon and Langton House in Dorset. “We’re so pleased with HPB that we’ve started topping up our investment through their interest-free loan — just a little each month — to enjoy even more holidays.”

Side by side composition of HPB bonds in Lanzarote and Mallorca

And they’re not the only ones…

With over 40,000 members, known as Bondholders, HPB offers a fresh and flexible approach to holidays for you and your family. Their portfolio includes more than 1,500 properties across 34 stunning locations in the UK and Europe. Alongside favourites like Tigh Mor and Biniorella, there’s a historic country house in Cumbria, sun-drenched villas in Tuscany, and breathtaking chalets in the Austrian Alps.

Best of all, you get to choose where you go — year after year, for life.

For those who value variety and choice in their holidays, HPB offers the chance to enjoy more destinations, more experiences and more unforgettable memories.

To find out how HPB could transform your holidays, request a brochure or arrange a visit to one of their beautiful sites today.

Enjoy extra holiday entitlement with HPB

HPB has an exclusive offer for Boundless members - to access it please log in to your account.

If you’re not already a member, you can find out how to join Boundless and take advantage of the many benefits of membership here.

Do more with Boundless

If you're working in or retired from the public sector or civil service, Boundless has two great membership options to choose from: Boundless and Boundless Plus. 

With Boundless, you get unlimited access or discounted entry to many of the UK’s top attractions, including Kew Gardens and Wakehurst and WWT centres across the UK, as well as year-round deals on restaurants, holidays, shopping and much more. With Boundless Plus, you can enjoy additional benefits including unlimited access to Historic Royal Palaces sites, National Trust for Scotland places, access to The Ramblers' extensive walking community, and peace of mind with roadside assistance and local recovery by Britannia Rescue


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 £372 a week and £569 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 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), 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.

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