Layby. Pay in 4. Receive on completion.

Secure the piece you love today. Pay a 20% deposit and split the rest across four instalments — up to 8 weeks, no fees, no interest.

Start Layby online Visit our Toorak boutique

In-store, Toorak Melbourne Available online Australia-wide

How it works Payment schedule Layby vs Afterpay FAQs

WHERE YOU CAN USE LAYBY

Online checkout In-store at Toorak Higher-value pieces No purchase limits

Best for higher-value pieces where you want certainty before committing. No spending limits, no eligibility checks — just a clear plan to own the piece you love.

How It Works

Four simple steps from deposit to delivery.

Pay 20% Deposit

Choose Layby at checkout and pay a 20% non-refundable deposit to secure the item.

We Reserve It

Your piece is set aside at our Toorak boutique — safely stored, just for you.

Pay in 4 Instalments

A payment link is emailed every two weeks — open and check out directly. Settle early any time.

Collect or We Ship

Once paid in full, collect in-store or we ship via tracked Express Post.

No fees No interest Pay early any time Australia-wide

Why Customers Choose Layby

For investment pieces where you're happy to wait — and want certainty before you commit.

Secure the Piece

Lock in the item you love today — no spending limits, no approval process — and pay it off on your own timeline.

Flexible Up to 8 Weeks

Manageable fortnightly payments. Pay earlier any time with one simple link — no penalties, no surprises.

No Eligibility Checks

No credit checks, no app, no spending limits. Just a deposit, a clear plan, and your piece reserved.

Payment Schedule

A clear roadmap — from deposit to delivery in five payments.

Deposit20% today

Payment 1Week 2

Payment 2Week 4

Payment 3Week 6

Payment 4Week 8

✓

Paid in FullYours

Deposit: 20% at checkout (non-refundable).
Remaining 80%: split across 4 instalments within 8 weeks.
Early payoff: settle the balance at any time, no penalty.
Reminders: a payment link is emailed every two weeks — open and pay directly.

A $2,500 bag, broken down

The 20% deposit secures the item. The remaining $2,000 is split into four equal instalments over 8 weeks.

Item price

$2,500

Deposit (20%)

$500

Balance

$2,000

Each instalment × 4

$500

Two Ways to Start Your Layby

Online or in person — the experience is identical.

Australia-wide

Start Layby Online

Add your piece to cart, choose Layby at checkout, and pay the 20% deposit. We'll email your payment schedule. Once paid in full, we ship via tracked Express Post — free across Australia.

Toorak Boutique

Set Up In-Store

Visit us at 428E Toorak Rd, Toorak VIC 3142. Pay the deposit on the spot and continue payments online. No appointment needed.

Start Layby online Visit our Toorak boutique

Layby vs Afterpay

Both let you split the cost — but only one has no limits, no checks, and no fees.

✦ Recommended

Lost Designer

Layby

No purchase limits — works on any item, any price
No eligibility checks — no credit assessment, no app required
No fees, no interest — ever
20% deposit holds the item exclusively for you
4 fortnightly instalments over up to 8 weeks
Pay early any time, no penalty
Express Post included on completion

Third-party

Afterpay

Subject to eligibility & spending limits
Requires an account, app, and approval
Late fees apply if a payment is missed
25% at purchase, 3 fortnightly payments
Limits vary and can change without notice
Not suitable for higher-value pieces

Frequently Asked Questions

Everything you need to know before starting your Layby.

What is the deposit amount?

20% of the item price. The deposit is non-refundable.

How many payments do I make?

Five payments in total: 1 deposit + 4 instalments over up to 8 weeks. You may pay earlier.

Can I pay it off early?

Yes. You can settle the balance at any time. Contact us if you'd like a single link for the remaining amount.

When do I receive my item?

After the final payment clears. We then ship via Express Post, or you can collect in-store.

Can I cancel my Layby?

Layby sales are final. If you cancel, the 20% deposit is forfeited; any additional payments refunded.

What if I miss a payment?

A payment link is emailed fortnightly. If unpaid after the grace period, the Layby may be cancelled — deposit forfeited, extra payments refunded.

Do you charge any fees?

No account-keeping fees. If a Layby is cancelled due to non-payment, the deposit covers our reasonable costs of holding and relisting the item.

Can I change items during Layby?

No. Layby locks in a specific item. You can cancel (deposit forfeited) and start a new Layby on another item.

Which payment methods can I use?

Online card payments or bank debit via our secure payment links. In-store card accepted.

Is there a time limit?

Yes. The plan must be completed within 8 weeks from the deposit date unless we agree in writing to extend it.

Layby Terms Summary

Offered in line with Australian Consumer Law.

Deposit: 20% non-refundable.
Term: up to 8 weeks, 4 scheduled instalments for remaining 80%.
Ownership: item remains with Lost Designer until fully paid.
Cancellation by customer: deposit forfeited; additional payments refunded.
Cancellation by Lost Designer: if item unavailable, all amounts refunded.
Missed payments: after grace period Layby may be cancelled; deposit forfeited.
Proof of ID: may be required for pickup.