Discover the Magic of Scotland – and beyond – with the Holiday Property Bond

The Holiday Property Bond

Imagine standing on the edge of a cliff, gazing at the crashing waves and sweeping vistas of the Isle of Skye, or wandering through the misty valleys of Glencoe, surrounded by jagged mountains. This country is full of surprises; peaceful lochs, hidden beaches, and charming villages. Whether hiking, discovering castles, or simply soaking in the scenery, Scotland's landscapes are as diverse as they are unforgettable.

For those wanting to make the most of this spectacular country, why not explore the world of the Holiday Property Bond? It’s a name you might not know, but with over 40 years of helping people realise their holiday dreams and a growing portfolio of properties across Europe and the UK, they may have more to offer than you might expect.

The HPB portfolio includes over 1,500 holiday properties across 34 locations, including three beautiful Scottish sites: Tigh Mor, the Coo Palace, and Witch’s Pool. Each offers a unique chance to experience the best of Scotland, while staying in luxurious surroundings.

The fairytale castle of Tigh Mor, near Loch Lomond in the Trossachs National Park, blends traditional charm with modern comfort. It offers stunning views across the mountains and Loch Achray, and is the perfect base for exploring the region’s dramatic scenery - whether you’re after adventure or simply want to unwind amongst the trees.

The Holiday Property Bond

Another retreat, Witch’s Pool in Perthshire, stands out with its magical atmosphere and secluded location, providing an escape like no other. Surrounded by nature, this property is ideal for anglers, offering the chance to disconnect and recharge in serene surroundings.

Then there’s the Coo Palace, a unique and charming retreat. This beautifully restored property combines rustic elegance with luxurious comfort, offering a warm space for families and friends. Located on the Galloway coast in south-west Scotland, it’s perfect for those wanting to explore the local culture, visit nearby attractions, or simply enjoy the breathtaking scenery.

The Holiday Property Bond

Holiday Property Bond

So, how does it work? Technically, the Holiday Property Bond is a life assurance policy. But when you become a Bondholder, you’re buying into a lifetime of affordable holidays. All you pay is a not-for-profit user charge (around £372 per week for a studio, £569 for a two-bedroom unit, with larger properties available) to cover property management costs, such as cleaning, electricity, and maintenance. This keeps the properties in great shape for you, your family, and future generations (the Bond is transferable).

The minimum payment required is £5,000. After an initial charge of 25%, your money is invested in a fund of holiday properties and securities, which has annual charges of 2.5%. Your return comes purely in the form of holidays, and like any investment, your capital is at risk. You can surrender your Bondholding after two years (subject to deferral in exceptional circumstances), but you’ll receive less due to charges and fluctuations in the value of the properties and securities.

Many Bondholders top up their investment after the initial £5,000 commitment to increase their holiday entitlement. The average investment in 2024 was £14,000. However, no matter how much you commit, the quarterly administration fee remains under £38, which amounts to about £150 a year, linked to the Retail Price Index (RPIX). Any increase is limited to RPIX fluctuations.

HPB offers a money-back promise. If you take your first holiday within three years and aren’t completely satisfied, you can apply to cash in your Bond. As long as you do so within 14 days of returning and one of the investors was on the holiday, you’ll receive a full refund.

But really, why would you want to? You’ve just given yourself the keys to holiday happiness!

To find out more about the Holiday Property Bond or to make an appointment to visit Tigh Mor or Coo Palace click here.

Exclusive holidays for life: An initial payment from £5000 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.