Home Lay-By Plan

A home of your own, built one brick at a time.

Headlines say home ownership is out of reach. We think it’s a matter of the right plan. Home Lay-By Plan pairs a flexible line of credit with a plan tailored to your income and commitments, and our team guides you every step of the way.

01Tailored to your circumstances
02Flexible payment timing and amounts
03Guided from first chat to the keys

Or call us on 1300 998 886

Book your free consultation

Private, no obligation, and explained in plain language.

Don’t let headlines like these dampen your spirits

AdelaideNowThe Home Front · Exclusive

‘Frustrating’: Why most Aussies have given up on the Great Australian Dream
Read the article on AdelaideNow (opens in a new tab)
ABC News12 May 2022

A decade of savings isn’t enough for most first home buyers, as deposits soar out of reach
Read the article on ABC News (opens in a new tab)
The Sydney Morning Herald19 April 2022

Young voters believe home ownership is out of reach, name cost of living as top priority
Read the article on The Sydney Morning Herald (opens in a new tab)

We have the product and the means to help realise your home ownership dream.

How we help

Designed to handle every aspect of your purchase

Our Home Lay-By Plan is unique. It was developed exclusively as Deposit Saviour to help you reach your goal of owning a home.

01
Understanding

Everyone's circumstances are different. We start with your income capacity and financial commitments, not a one-size-fits-all product.
02
A tailored solution

After a consultation with our financial team, your Home Lay-By Plan is built around your current situation and requirements.
03
Peace of mind

We explain the process in terms you'll fully understand, and we're with you every step of the way.
04
Financial assistance

A line of credit loan that differs from a standard home loan, with much more flexibility in when you pay and how much.

See how it works

Your options

The choice is yours.

Live in your new home or rent it out. Your Home Lay-By Plan gives you options, so the plan fits your life rather than the other way round.

Rent to buy
Move in and rent while you work toward ownership.
Take full ownership
Complete the purchase and make the home entirely yours.
Keep it as an investment
Rent the property out and hold it as part of your future.
Sell with guaranteed buy-back
Sell with a guaranteed buy-back within 60 days at market value.

Plus

You get a tax deduction^*

And

You get the capital gain^*

^* Using Budget Saviour, as a member of Saviour Club. Visit saviour.net.au for details. Outcomes depend on your circumstances; seek independent tax advice.

Vincent Scali, founder — Vincent ScaliFounder

Four decades in property

Built on experience, trust and sound advice.

Vincent Scali began his real estate career in Australia in 1978 and founded Vincent Scali & Co. Over more than four decades he has worked as a developer, land agent and builder, and earned a reputation built on trust.

He founded Saviour Financial Services to help families facing long-term debt and to support education for their children. Home Lay-By Plan carries the same value: family at the core, and peace of mind for every client.

Our story

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