Consumers

Lay-by agreements

A lay-by agreement lets you buy a product and pay for it in two or more instalments before taking it home. It’s important for you to understand what the written agreement covers and how you or the business can cancel it.

Retirement homes

There are several types of retirement homes available under different purchase and fee paying arrangements. Before making a choice, consider the type of accommodation and facilities you’ll need now and later, the costs and contract requirements.