We are here from start to finish guiding you through every part of the process.
S3F group is the result of a merger of several businesses most notably Healthy Lending, RTF Finance, and Consulate Finance.
We cater for specialist niches in the medico industry, including pharmacy and optometry. We are also specialists in childcare as well as the hospitality industry; particularly clubs and pubs.
This combined with over 30 years experience in the transport industry and over 100 years of combined finance experience; the S3F group can cater for all your financial needs.
The S3F Group are your financial concierge. We can assist you with structuring a financial solution that meets your individual personal or business requirements
With over 56 years experience in finance between the directors we bring a broad range of experiences and a practical approach to finance. Plus a further 37 years in business to Business Management and consulting
If you run a business in any of these industries, we can help you:
Property & Finance
- Real estate
- Property management
- Accountancy
- Financial planning
Hospitality
- Clubs
- Pubs
- Restaurants
Other
- Childcare
Law
- Law
Conveyancing
Healthcare
- Medicine
- Dentistry
- Veterinary
- Pharmacy
- Optometry
- Physiotherapy
- Chiropractic
- Podiatry
How we can help you
S3F Group can help you solve these problems:
- Starting a new business
- Buying another business
- Investing in equipment
- Purchasing a commercial property
- Fitting out your premises
- Refinancing your existing loans
- Increasing your working capital
We work with more than 30 lenders and offer:
- Business loans
- Commercial property loans
- Refinances
- Commercial hire purchases
- Finance leases
- Chattel mortgages
- Insurance premium funding
- Novated or operating leases
- Invoice and trade finance
The top 5 reasons clients say they value S3F Group
1
Specialise in business finance
2
Have incredible industry knowledge
3
Solve tricky problems
4
Provide clear communication
5
Move fast
To discuss your scenario and your options
We can assist you with everything for your finance requirements from start to finish guiding you through every part of the process.

HOME LOAN
Our speciality is helping securing
funding for first home buyers or, if
you're looking to buy a new home,
we can help with that.
We can also assist you in obtaining
the finance for your first
investment property or your tenth
investment property.

ASSET FINANCE
Do you need a new car either for
business or personal use. We can
take the stress out of that by
having your finance approved and
ready to go for when you go
searching for a car. We can also
refer you to a car buying service
that could save you time and
money on the purchase of your
new vehicle.

HEALTH INDUSTRY FINANCE
Are you a doctor, dentist, pharma-
cist, optometrist, physiotherapist,
chiropractor, podiatrist, veterinari-
an looking to purchase either new
premises, new business or practice
or compete a fit-out or in need of
new equipment, we can help you
arrange any of these around your
cash flow.

CLUB & HOSPITALITY FINANCE
S3F Group has been financing clubs, pubs and restaurants since 2000. We’ve seen every scenario and dealt with every problem that exists.

PROFESSIONAL
SERVICES LOANS
We also specialise in professional services such as accountants, financial planners and law partner- ships as well as real-estate busi- nesses.

HOME LOAN
Our speciality is helping securing funding for first home buyers or , if you're looking to buy a new home, we can help with that. We can also assist you in obtaining the finance for your first investment property or your tenth investment property.

ASSET FINANCE
Do you need a new car either for business or personal use. We can take the stress out of that by having your finance approved and ready to go for when you go searching for a car.We can also refer you to a car buying service that could save you time and money on the purchase of your new vehicle.

PROFESSIONAL
SERVICES LOANS
We also specialise in professional services such as accountants, financial planners and law partner- ships as well as real-estate busi- nesses.

HEALTH
INDUSTRY FINANCE
Are you a doctor, dentist, pharma- cist, optometrist, physiotherapist, chiropractor, podiatrist, veterinari- an looking to purchase either new premises,new business or practice or compete a fit-out or in need of new equipment, we can help you arrange any of these around your cash flow.

CLUB & HOSPITALITY FINANCE
S3F Group has been financing clubs, pubs and restaurants since 2000. We’ve seen every scenario and dealt with every problem that exists.

The S3F Group are a group of experienced Finance professionals who have come together to create a holistic end to end finance solution for all your personal and business finance needs.
THE S3F GROUP IS A BOUTIQUE FINANCE BROKERAGE WITH OFFICES IN SOUTH WEST SYDNEY, THE HILLS DISTRICT AND THE CENTRAL COAST.
Our team of Finance Professionals have over 50 years combined experience in all facets of Banking & Finance.
The S3F Group offers a suite of products and services to provide our clients a complete 360 degree finance solution;
tailor made based on their individual needs.
Our mantra is simple:
Become the trusted advisor to our clients;
Provide exceptional, superior customer service and provide ongoing advice and service beyond your first transaction.
WE'LL HELP FIND THE RIGHT HOME LOAN FOR YOU
We help you compare hundreds of home loans from more than 30 lenders.
Our loan applications are tailored to our clients specific needs.
We value our clients and their finance requirements. You aren’t just a number to us.
SOME OF OUR SERVICES INCLUDE
01. Home & Investment Loans (Refinances Too)
- Every lender has a certain policy along with its own strength a weakness. We use our knowledge & experience to make getting a home or investment loan easier & less stressful for you.
02. Commercial Lending
- If you are business owner and looking to secure any sort of finance to help you grow your business, we have got 56 years of industry experience to help us find a solution for you.
From purchasing a Pharmacy to purchasing a commercial property, we can help with that.
03. Vehicle and Equipment Finance
- Looking to purchase a new car? Or maybe a new piece of machinery? Regardless if you are looking for a consumer loan or a chattel mortgage, we can help. We can also assist you with Equipment finance, maybe a tractor for your hobby farm?
04. SMSFLoans
- We can work side by side with your financial planner & accountant or refer you to one of our trusted partners to assist with the process of purchasing property within your superannuation Fund.
We have got access to a panel of lenders who are interested in lending to Self-Managed Super Funds
WHAT OUR CLIENTS HAVE TO SAY
- Very professional. Josh helped us at every step of the journey from sorting out our bank loans to the final settlement. He was very professional and contactable the whole time and was always there to help. Overall, it was a very good experience and we highly recommend his services.READ MOREREAD LESSOmar SayahAmazing customer service from start to finish. Josh was incredibly helpful and efficient in securing our home loan. He supported us (with great patience) all the way through to settlement. Would highly recommend!READ MOREREAD LESSLuke TranAlways keep us in the loop and answered all questions promptlyREAD MOREREAD LESSRobert Walker
- Josh was an absolute pleasure to deal and took all the uncertainty of the loan process out of it. Can't thank you enough for making the process easier for us. Would recommend him to anyone.READ MOREREAD LESSBlayne WebbI do not hesitate recommending Sam at all. He is extremely knowledgeable and will go to all lengths to make sure you receive the best loan available. He is friendly, professional and the best in the business. I wouldn't trust anyone else.READ MOREREAD LESSSarah ChantThis was my first time dealing with S3F group my experience was impeccable from pre approval to settlement everything was like clockwork. I would highly recommend and will be the only broker I use in the future. Thanks again joshREAD MOREREAD LESSJames Martin
- We have used Josh's services on several occasions because he is great to deal with, knowledgeable and gets the best options for us. He makes the process seamless, which we are very grateful for because our property portfolio is complex. Thank you Josh for your exceptional work, for all our properties!READ MOREREAD LESSFin DAs Joe Esposito would say - “you’re the best around” Josh is 10/10. Communicates quickly and accurately, and will generally get you updates before you even think to ask for them. Can’t beat him.READ MOREREAD LESSNick StarrI highly recommend Josh. Josh was professional and knowledgeable and guided us through the loan process to successfully achieve our home loan. We will engage Josh for all future endeavors. Thank you Josh for making the process hassle-free.READ MOREREAD LESSkim cocks
- Great result. Professional in every way. Josh did an amazing job getting me the loan for the new property. He was efficient and professional with his work. His assessment was accurate and was able to secure an amazing result. He made the whole process easy. I will be asking Josh to help me with any potential future purchases.READ MOREREAD LESSdaniel tranAcquiring finance for our first home was seamless with the help of Josh from Strategic 360 Finance. My partner and I were fortunate enough to purchase our first home working with Josh who ensured all our questions were answered and made the experience so memorable. A few factors in our situation would generally make what we needed quite tricky but with Josh’s knowledge, support and experience the process was seamless. We would recommend Josh to anyone who wants full support and transparency throughout the process of gaining a home loan.READ MOREREAD LESSKieren TurnbullGreat service level, proficient and customer focused. Josh Woodhouse provided great service level helping us get the best financial outcome for our sale, new house purchase and loan requirements meeting all critical deadlines to ensure process was simple and smooth. Great communicator and customer focused. Highly recommend 🙂READ MOREREAD LESSCraig Warren
- Highly recommend Josh. Great experience with Josh! Josh is knowledgeable, approachable and very efficient. Easy to deal with, very friendly nature and communication is impressive. Very grateful for Josh assisting us in securing a refinancing loan. Thanks Josh!READ MOREREAD LESSJoanne BaroneA very thorough and professional service, my case was not straight away however; with all issues Josh has handeled it with atmost care and given the best output, Thank you Josh.READ MOREREAD LESSChetna AroraJosh Woodhouse helped us get into the housing market and secure our first home! He had a vast knowledge of all the options available for us, and helped us secure a loan that suited our needs. He was always patient and understanding, answering all of our questions no matter how small. Josh was excellent through the entire process, and made a very daunting time run incredibly smoothly. We will definitely be coming to Josh for any future loans or finances!READ MOREREAD LESSConnor Ryan
- I highly recommend Josh Woodhouse from SF3 Finance. He has assisted me with getting a mortgage loan approved very quickly which helped me to secure a purchase of my house. Practical, fast and responsive.READ MOREREAD LESSIrina OuzlovaScott, Josh, Linda and the team are absolutely fantastic. They provide excellent 11 out of 10 service and always go out of their way to assist. We have been dealing with S3F for a few years now and they are always available to take our call or provide input to our financing needs. Anyone considering using these guys, you will not find better anywhere else.READ MOREREAD LESSAndrew YanzMy Wife and I recently purchased our first home with Strategic 360 Finance...If I could give these guys more then 5 stars I would, Scott Woodhouse and his team made the entire process seamless and in my opinion are with out a doubt the best brokers in the business. I mentioned before this was the first time buying a home, my wife and I were very green going into this process and on top of that a bit nervous as well. Scott made everything transparent and we lost that nervous feeling very quickly...we also got the best education on the money lending and home purchasing process. The one thing that really stands out is that Scott made sure we weren't over spending and we were making health financial choices whilst getting what we wanted and still having money to live comfortably day to day. These guys are the best in their industry and that is simply the truth. i'm really happy we found these guys and look forward to working with Scott and the rest of the guys in the future.READ MOREREAD LESSScott
- This is the second time Sam Zammit from Strategic 360 Finance has assisted my husband and I with our financial needs. This time it was for a loan to purchase an investment property through our SMSF, brand new territory for us. Sam kept us informed during the process and showed patience and professionalism each and every time we spoke with him. Sam goes above and beyond to assist with all the questions we had along the way and would often contact us to provide an update before we even had to ask. Sam has a great network of professionals within the industry, that he referred us to long the way, making our purchase very easy and stress free. We would be pleased to recommend Sam to our family and friends in the future. We look forward to engaging with your services again soon Sam.READ MOREREAD LESSJanine ProdromidisI have known Sam for many years and have had all my home loans done through him. Sam makes the process easy and I am confident he will find me the best loan which suits my financial situation. Sam is available at any time for help and advice. I am looking forward to dealing with him in the future.READ MOREREAD LESSJoseph ZammitJosh is meticulous and goes above and beyond for his clients. He has been extremely helpful and has made navigating everything a lot more manageable.READ MOREREAD LESSHarrison Webb
- Josh, Scott and the team at Strategic 360 Finance are generous in sharing their knowledge and expertise to get the best outcomes for their clients. Excellent service!READ MOREREAD LESSLove PascualJosh was so helpful and knowledgeable and made the whole process easy. He was always available, friendly and professional and kept us informed on the progress of the loan every step of the way, right up to settlement. I would definitely recommend Josh to get you the best loan and to take the stress out of the lending process. Thanks Josh!READ MOREREAD LESSJane ThomsonGreat experience . I had a long, frustrating journey trying to find a home these past few years, and Josh was there to help me and give advice every step of the way. Definitely recommended as a mortgage broker!READ MOREREAD LESSLaura Macrae
- Our experience with Srategic 360 Finance has been great! Sam has made everything as easy as can be for us, and has been very attentive to all of our requirements. Sam is extremely friendly, and was very flexible in arranging appointments, and even coming to us to make things even easier throughout the process. We highly recommend the services of Sam and Strategic 360 Finance. You will not be disappointed.READ MOREREAD LESSRhys CollumSWLS helped us consolidate all our debts into one easy payment and taught us how to pay off our home loan faster. We now have a lot more disposable income at the end of each month. Thanks Sam!READ MOREREAD LESSPeter ZammitSam Zammit, Gosh.... what can I say?? I would recommended him everyday of the week!! Always answers my calls, emails, and questions promptly... this is the second time I have used his services. I would never go anywhere else. I am extremely busy all the time, Sam just makes a loan process so much easier. I know I will be using him again in the future. Your the Best Sam!!!READ MOREREAD LESSJoanne Davey
- Very professional and humble.READ MOREREAD LESSJunaid SafdarWe have used Sam a couple of times now and would highly recommend him. We are extremely happy with his service and his communication is fantasticREAD MOREREAD LESSSandra PattersonSuch great service. Always on top of what’s next and kept us in the loop with everything. Answered all our questions clearly and promptlyREAD MOREREAD LESSDavid Blackburn
Get in Touch with Us and Let's Find The Right Finance Option For You!

Call us to discuss your options
contact us on (02) 8745 8847 or info@s3f.com.au, or fill in this online form.