The Holiday Property Bond (HPB)

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.

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

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

• Holiday property investment
• Vacation bond product
• Timeshare bond scheme
• Holiday accommodation fund
• Vacation ownership portfolio

Headquarters

HQ city

Haverfordwest

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. 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.
2. 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.
3. Annual Fund Charges: The fund itself meets annual charges of 2.5% of its net assets at cost, calculated monthly.
4. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core 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

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators7 records

Recent moves13 records

Expansion highlights5 records

Broad 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

• Facebookfacebook.com/stbridescastle
• Xx.com/hpbholidays
• LinkedInlinkedin.com/company/hpb-management-ltd-

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&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)