Home Lay-By Plan

About us

Founded by Vincent Scali, whose property career began in 1978, to help families get into homes of their own.

Vincent Scali began his real estate career in Australia in 1978 as a sole trader, founding Vincent Scali & Co. and going on to become a respected figure in the industry.

Vincent Scali, founder of Home Lay-By Plan
Vincent Scali, founder

Over four decades he has built deep experience in property development and management, working as a developer, land agent and builder. He stays active in professional forums and development, and keeps across the financial news, so his knowledge stays current.

Why Home Lay-By Plan exists

Vincent is dedicated to helping families achieve financial security. Recognising the importance of financial education, he founded Saviour Financial Services (SFS) to support people facing long-term debt and to help families with educational opportunities for their children.

SFS puts family at the core of its values and takes pride in delivering peace of mind. Together with its affiliated entities, including Deposit Saviour and Saviour Club, it provides financial products and solutions built around what clients actually need.

Industry bodies & regulators

Mortgage & Finance Association of Australia (MFAA)Real Estate Institute of South Australia (REISA)Australian Financial Complaints Authority (AFCA)
  • Mortgage & Finance Association of Australia (MFAA). The leading professional body for mortgage brokers and finance professionals. Members follow a strict Code of Practice and ongoing professional development.
  • Real Estate Institute of South Australia (REISA). The professional body for real estate practitioners in South Australia since 1919, promoting professionalism and ethical practice.
  • Australian Financial Complaints Authority (AFCA). Free, independent resolution of complaints about financial products such as credit and loans. An accessible alternative to the courts, with a focus on fairness and on cases involving financial hardship.
  • Australian Securities & Investments Commission (ASIC). Australia’s financial regulator. It oversees credit providers and financial services, including responsible lending, to protect consumers and keep markets fair.