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Others point to the difficulty of booking at peak times (school holidays being the most tricky), as well as the constant need to make the most of the investment – sacrificing the freedom to pick a holiday anywhere at any time.Jacqueline Stinton and her late husband Darrol bought a holiday property bond from HPB Management, the only firm in the market, 25 years ago for £5,000.So I suggested it after I lost my job a few years ago, when I thought money might be tight, especially given holidays were our third biggest cost after the mortgage and childcare.Since then we’ve had a fantastic experience.’A seven-night trip to Majorca in August 2015 is £370 per person – including flights and a stay in a three-star hotel.

But I have friends who home-swap and they rave about it.Some owners have simply stopped paying for maintenance because of a common clause included in contracts stating that the company will repossess the timeshare if fees remain unpaid.However, this may be seen as a breach of contract and could land owners in court.The main downside is that you have to plan a year ahead if you want popular times such as in school holidays.’It comes with maintenance costs, shared between buyers, and unlike holiday property bonds – and widely mis-sold timeshares – buyers do actually own part of the property, receiving title deeds divided into fractions of a quarter to a twelfth. The Hideaways Club – which counts tennis star Tim Henman among its 500 members – charges from £69,500 for 12 nights a year in one of 14 city apartments worldwide.‘Hassle-free’ management fees to look after properties typically add at least £5,000 a year.

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