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Real structures for real food-industry incomes.

A selection of examples from Adam’s original Finance for Foodies library, rebuilt to show the situation, the structural move and the outcome at a glance.

Details simplifiedClient privacy protected
$1.5minvestment purchase
$160khome debt restructured
Senior FMCG sales leader · Investment strategy

Bonuses and a side hustle turned into an investment plan

A senior sales leader and his wife already owned their family home. Their goal was to buy a Gold Coast investment while putting $160,000 of non-deductible home debt into a clearer structure.

ChallengeBonus income was heavily shaded and the lender ignored $30,000 of side-business income.
StructureVerified business deposits, assessed the bonus history and created purpose-specific lending splits.
OutcomePurchased at 80% LVR with interest-only investment debt and linked offsets.
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8.25%old rate
$7.5k+annual interest saving
Senior food-industry marketing executive · Refinance

A simpler loan for the next stage of life

A senior marketing executive and her husband had a $450,000 loan that had not been reviewed in nearly a decade. They no longer needed the product’s redraw complexity.

ChallengeAn outdated structure and rate were costing thousands in unnecessary interest.
StructureRemoved redundant features and refinanced to a flexible major-bank loan.
OutcomeA high-5s rate at the time, simpler accounts and a setup aligned with retirement cash flow.
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$700kNT investment
12 monext-purchase horizon
Restaurant owner · Equity

A refinance that became the start of a portfolio

A Melbourne restaurant owner and his wife wanted lower home-loan repayments and their first investment without draining more than $140,000 from savings.

ChallengeThey had equity, but needed the right valuation and structure to preserve cash.
StructureRefinanced, released equity and separated owner-occupied from investment purpose.
OutcomeBought a $700,000 NT property while retaining a savings buffer.
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5%deposit structure
$850kSydney purchase
Food distributor · First home

A first home designed to become an investment

A young Sydney marketing executive and his partner wanted to buy locally, live in the property, then travel and potentially rent-vest.

ChallengeA minimal deposit and bonus/STI income that needed to be assessed correctly.
StructureUsed an eligible 5% structure and selected policy that recognised the incentive history.
OutcomePurchased in Sydney with a future conversion strategy considered upfront.
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$495khome lending
~$65kdebt consolidated
Seafood supplier · Restructure

Cleaning up messy debt and regaining control

A seafood sales executive had owner-occupied and legacy investment facilities, older credit issues and a short bonus history.

ChallengeUnclear debt purpose, unnecessary repayments and income that did not fit default policy.
StructureRefinanced into purpose-aligned splits and positioned the credit history and bonus evidence.
OutcomeLower repayments, clear allocations and a structure reflecting his real financial life.
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