The Holiday Property Bond (HPB)
The Holiday Property Bond (HPB) is a UK-based holiday bond investment product, founded in 1983, that gives 40,000+ Bondholders lifetime access to over 1,500 holiday properties across 40+ UK and European locations via a single investment starting at £5,000 plus recurring and usage-based fees.
- Company typePrivate
- Founded1983
- HeadquartersHaverfordwest, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What The Holiday Property Bond (HPB) does
The Holiday Property Bond (HPB) is a privately held UK-based holiday bond investment product, established in 1983, that grants Bondholders lifetime access to a portfolio of more than 1,500 holiday properties across over 40 locations in the UK and Europe. The offering is structured as a single investment product — the Holiday Property Bond — with an entry ticket starting at £5,000; 25% is taken as an initial charge and the balance is invested into a fund of holiday properties and securities. Bondholders additionally pay a quarterly management fee under £39 (~£155/year), annual fund charges of 2.5% of net assets, and per-holiday user charges averaging £388/week for a studio sleeping two and £597/week for a two-bedroom property. HPB distributes exclusively through a direct sales force of Bondholder Representatives who provide personal tours, presentations, and phone/video consultations, with referrals from existing Bondholders identified as the largest single source of new investors.
The technology footprint is intentionally lightweight: a website-based booking system with a MyBond online portal for existing Bondholders to manage bookings and preferences, no public API, no mobile app, and no disclosed AI/ML or automation capabilities. The corporate structure comprises HPB Management Limited (FCA-authorised England-incorporated agent and sole promoter; Company Number 01581593), HPB Assurance Limited (Isle of Man bond issuer), Equiom (Isle of Man) Limited as Trustee, and Stanhope Capital LLP as Securities Adviser, all under the Quality Holidays Assured Limited group. The RAF Disabled Trust (managed by the RAF Benevolent Fund) is the largest single investor.
The customer base is 40,000+ UK-resident individual and family Bondholders; HPB has explicitly restricted new applications from EU residents and certain other jurisdictions. HPB Management Limited employs between 11 and 50 staff, many with 10–20+ year tenure. The portfolio has expanded continuously — Northway Court in Devon opened May 2024, Ballylinny in Northern Ireland opened December 2024 (completing UK four-realm coverage), and Upper Norton in Shropshire expanded in 2025 with 15 additional cottages plus an indoor swimming pool, gym, and treatment room.
The Holiday Property Bond (HPB) firmographics
Firmographics- Name
- The Holiday Property Bond (HPB)
- Legal name
- HPB Management Limited
- Website
- https://hpb.co.uk
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- The Holiday Property Bond (HPB) is a UK-based holiday bond investment product, founded in 1983, that gives 40,000+ Bondholders lifetime access to over 1,500 holiday properties across 40+ UK and European locations via a single investment starting at £5,000 plus recurring and usage-based fees.
- Ownership category
- akta.pro rank
The Holiday Property Bond (HPB) industry classification
Industry- Product category
- Vacation Ownership / Holiday Bond Investment
- NAICS
- Other Investment Pools and Funds (5259), Portfolio Management and Investment Advice (523940), Other Financial Investment Activities (5239)
- SIC
- Investors, Nec (6799), Investment Advice (6282)
- akta.pro primary industry
- Sustainable Private Markets (Impact PE/VC, Private Credit, Infrastructure) (FSAAALAG)
Keywords
Where The Holiday Property Bond (HPB) is headquartered
LocationHeadquarters
- HQ city
- Haverfordwest
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
The Holiday Property Bond (HPB) business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Initial Bond Investment: Investors pay an initial payment starting from £5,000 to purchase a Holiday Property Bond. After an initial charge of 25%, the remaining money is invested in a fund of holiday properties and securities.
- Quarterly Management Fee: Bondholders pay a quarterly fee of under £39 (approximately £155 per year) which can increase in line with but not exceed RPIX.
- Annual Fund Charges: The fund itself meets annual charges of 2.5% of its net assets at cost, calculated monthly.
- Holiday User Charges: For each HPB holiday, Bondholders pay a no-profit user charge covering only property running and maintenance costs and use of on-site facilities. The average weekly charge for a studio sleeping two is around £388 and around £597 for a two-bedroom property.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Entry-level bond investment |
| Subscription | Pay-as-you-go | Quarterly management fee |
| Usage-based | Pay-as-you-go | Holiday accommodation charges |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
The Holiday Property Bond (HPB) product offering
Product offeringCore offering
HPB sells a Holiday Property Bond investment product. For an initial payment starting from £5,000 (less a 25% initial charge), investors become Bondholders with exclusive lifetime access to a portfolio of more than 1,500 holiday properties across 40+ destinations in the UK and Europe. Bondholders also pay a quarterly management fee under £39 (≈£155/year) and per-stay no-profit user charges averaging £388/week for a studio or £597/week for a two-bedroom property.
Product overview
HPB offers a single unified investment product — the Holiday Property Bond — that provides Bondholders with exclusive access to a portfolio of more than 1,500 holiday properties across the UK and Europe. The offering is not modular; one investment grants access to the entire property portfolio with no add-on tiers, premium upgrades, or separate product lines. Booking is facilitated through the MyBond member portal and a representative-assisted service. No separate product brand, sub-product, or module structure is identified.
Differentiator
Problem solved
Functional benefit
Products and services
- Holiday Property Bond A single holiday investment product (from £5,000, less a 25% initial charge) that grants Bondholders lifetime, flexible access to over 1,500 holiday properties across 40+ UK and European destinations, plus quarterly management fees under £39 and per-stay no-profit user charges. Designed for UK individual and family investors seeking a long-term alternative to second-home or timeshare ownership.
- MyBond Member Portal Online self-service portal (mybond.hpb.co.uk) for existing Bondholders to manage holiday bookings, view availability, update marketing preferences, and access Bondholder services across the 1,500+ property portfolio.
- Private Site Tours In-person guided tours of HPB UK holiday sites for prospective Bondholders to experience the standard of furnishings and facilities before investing. Bookable through the HPB website tour list.
- HPB Bondholder Representative Consultations Personal phone or video consultations with local HPB Representatives covering how the Holiday Property Bond works, including a Money Back Promise trial, used as the primary consultative sales channel.
Quantifiable outcome
- Rated 4.9 out of 5 based on 14,772 customer reviews on Feefo
- +1 more outcomes
Companies that use The Holiday Property Bond (HPB)
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles1 record
The Holiday Property Bond (HPB) technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
The Holiday Property Bond (HPB) partnerships and signals
Strategic signalScale indicators7 records
Recent moves13 records
Expansion highlights5 records
The Holiday Property Bond (HPB) competitors and assessment
Company assessmentBroad incumbents
- Marriott Vacations Worldwide: Marriott Vacations Worldwide is one of the largest vacation ownership companies globally, operating timeshare and exchange programs that give owners access to a network of resort properties - the closest broad incumbent comparable to HPB's portfolio-access model, though at much larger scale and with traditional points-based timeshare structure rather than bond structure.
- Hilton Grand Vacations: Hilton Grand Vacations is a major timeshare and vacation ownership operator offering members access to a network of Hilton-branded resort properties, providing a comparable multi-property access model to HPB, but with conventional timeshare/points-based membership rather than a perpetual bond investment structure.
- Wyndham Destinations: Wyndham Destinations operates one of the world's largest vacation ownership and exchange networks, offering club-style access to thousands of properties - comparable to HPB in the multi-property access concept but on a much larger scale with a different financial structure.
- Disney Vacation Club: Disney Vacation Club is Disney's points-based vacation ownership program offering members access to Disney and affiliated resorts - shares HPB's concept of upfront investment plus ongoing fees for ongoing accommodation access, but is anchored to a single brand experience rather than diverse geography.
- Bluegreen Vacations: Bluegreen Vacations is a vacation ownership company offering timeshare interests in a network of resorts - shares HPB's model of selling an upfront interest that grants ongoing access to a managed property portfolio, though structured as conventional timeshare rather than perpetual bond.
Regional players
- Center Parcs UK: Center Parcs UK operates a network of forest holiday villages across the UK offering accommodation and on-site facilities - comparable to HPB in providing UK-based family holiday experiences with on-site amenities, but operates on a traditional rental/pay-per-stay model rather than an investment bond.
- National Trust Holidays: National Trust Holidays offers cottage holidays across the UK and Europe at properties near National Trust heritage sites - comparable to HPB in curating a curated portfolio of distinctive UK/European holiday properties, but operates on per-stay rental rather than investment-bond access model.
- Sykes Holiday Cottages: Sykes Holiday Cottages is one of the UK's largest holiday cottage rental agencies offering 25,000+ properties across the UK and Europe - comparable to HPB in providing UK/European holiday accommodation variety, but operates a traditional pay-per-stay rental marketplace rather than a bond-based access model.
Others
- RCI (Resort Condominiums International): RCI operates the world's largest vacation exchange network with 4,000+ affiliated resorts - serves as an infrastructure provider for vacation ownership customers to trade weeks between properties, comparable to the holiday exchange concept that makes HPB's multi-property access model valuable to Bondholders.
- Interval International: Interval International operates a global vacation exchange network with resort partners worldwide - comparable as enabling infrastructure for vacation ownership customers to access multiple properties, similar to the multi-property access value proposition central to HPB's product.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
The Holiday Property Bond (HPB) social profiles
Digital presenceThe Holiday Property Bond (HPB) financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Holiday Property Bond (HPB) leadership team
Management profileNumber of profiles
The Holiday Property Bond (HPB) funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Holiday Property Bond (HPB) M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Holiday Property Bond (HPB)
What does The Holiday Property Bond (HPB) do?
HPB sells a Holiday Property Bond investment product. For an initial payment starting from £5,000 (less a 25% initial charge), investors become Bondholders with exclusive lifetime access to a portfolio of more than 1,500 holiday properties across 40+ destinations in the UK and Europe. Bondholders also pay a quarterly management fee under £39 (≈£155/year) and per-stay no-profit user charges averaging £388/week for a studio or £597/week for a two-bedroom property.
Is The Holiday Property Bond (HPB) a public or private company?
The Holiday Property Bond (HPB) is a private company. It is classified as corporate owned and is currently operating.
When was The Holiday Property Bond (HPB) founded?
The Holiday Property Bond (HPB) was founded in 1983. It employs 11 to 50 people.
Where is The Holiday Property Bond (HPB) based?
The Holiday Property Bond (HPB) is headquartered in Haverfordwest, United Kingdom, in the Europe region.
How does The Holiday Property Bond (HPB) make money?
Four revenue lines are on record. Initial Bond Investment is the primary driver. The others are quarterly Management Fee, annual Fund Charges and holiday User Charges.
Who are The Holiday Property Bond (HPB)'s main competitors?
Broad incumbents on record are Marriott Vacations Worldwide, Hilton Grand Vacations, Wyndham Destinations, Disney Vacation Club and Bluegreen Vacations. Regional players are Center Parcs UK, National Trust Holidays and Sykes Holiday Cottages. Others are RCI (Resort Condominiums International) and Interval International.
Does The Holiday Property Bond (HPB) have an API?
No public API is recorded for The Holiday Property Bond (HPB).
What industry is The Holiday Property Bond (HPB) in?
The Holiday Property Bond (HPB)'s product category is Vacation Ownership / Holiday Bond Investment. Its primary akta.pro industry code is FSAAALAG, Sustainable Private Markets (Impact PE/VC, Private Credit, Infrastructure). Its NAICS code is 5259 and its SIC code is 6799.