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
- Josh was great from our pre-approval right through to settlement. He is friendly, approachable, extremely knowledgeable and made the entire process as easy and stress-free as possible. We are thrilled with the service that Josh has provided us and are looking forward to working with him in the future. Thank you Josh for helping us secure our first home!READ MOREREAD LESStaylarodgerI have known Sam for over 2 years and I HIGHLY recommend and have recommended to friends that have gone with his services! Thank you so much for your support!READ MOREREAD LESSAlexander TsekourasSpecial thanks to Josh Woodhouse at S3F for working with us to ensure we got the finance we needed. He must be commended on his professionalism and timeliness, we can't thank him enough.READ MOREREAD LESSJoshua Scott
- Dealt with Josh recently for a detailed Unit Trust purchase and it was nothing but smooth sailing! Josh was upfront, honest and fourth coming with information that will assist us and other parties. I couldn't recommend Josh and S3F Group enough..READ MOREREAD LESSJared BarryAwesome Broker, Professional, Genuine and Reliable, Highly Recommended to help you with your financial needs.READ MOREREAD LESSNeil ManuelStrategic 360 Finance provided unequalled service and professionalism, in particular my experience with, Josh. He was always readily available and happy to help at anytime, offering the best rates and service. If you're looking for a finance specialist or advice I highly recommend Strategic 360 Finance!READ MOREREAD LESSLuke Jenner
- Exceptional service with S3F Group.
Josh Woodhouse went above and beyond to ensure our experience was smooth, pleasant and successful. With his expertise, he made a complex and long process seem like a walk in the park. My partner and I are very grateful for having Josh to guide us and help us in such an important milestone in our lives. We'll definitely seek Josh's advice when buying in the future as we had a very positive experience all across the board.READ MOREREAD LESSElaine PaixaoOur 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 CollumVery happy customers Josh Woodhouse was a brilliant mortgage broker. No question was to silly, he would answer all questions quickly and at any time. We felt so supported the whole way through. Highly recommend him to everyone. As newbies he was able to explain everything very well and left us not feeling overwhelmed during the house buying process. Thank you Josh! Lizz and MattREAD MOREREAD LESSElizabeth McBride - Great service, very professional and made things very easy.READ MOREREAD LESSGeorge DaoudJosh was very helpful! We were referred to Josh by a friend and were not disappointed. We weren't even sure we could get a home loan, but Josh worked wonders and we were able to buy our first home. I've heard applying for a home loan and going through with a house purchase can be hectic and stressful, but Josh made it a relatively stress-free experience for us. We'll be back when ready for our next purchase!READ MOREREAD LESSDebbie KellyAs first home buyers, Josh was always quick to respond to questions we had. He made the process of getting a loan quick and easy, keeping us in the loop the entire time. I would recommend Josh to anyone looking to take out a home loan.READ MOREREAD LESSRohan Scanes
- Massive thanks to Alan who helped with financing a much needed new car, he was very attentive and made the process so much easier than it would have been without his help, I will be highly recommending him and the team at S3FREAD MOREREAD LESSBuon RicordoJosh Woodhouse was my broker when purchasing a new home recently and he made the stressful process much easier!! He was highly responsive, able to work around my busy schedule and was great at interpreting the finance jargon for me. I have also worked with Alan Hicking in the past when financing several vehicles. S3F group are fantastic!READ MOREREAD LESSMaddison JeffcottJosh 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 Thomson
- Josh came recommended by our accountant.
It had been a long time since we had taken out a loan, things had certainly changed!
His comprehensive knowledge on how to navigate our loan application made the process a lot less complicated for us. His professional manner and patience allowed us to feel comfortable enough to ask him any questions we may have had. Josh was prompt and courteous in his replies which always included a full explanation of what we were undertaking.
Would definitely use his services again on our next loan.READ MOREREAD LESSEileen BehanJosh is such a nice, knowledgeable person. We received sound advice which we valued. Josh was able to put together a package that suited us perfectly. He listened and understood. He has been recommended to friends and family.READ MOREREAD LESSElizabeth LHHighly recommend.. Great customer services. Will definitely use Strategic 360 Finance again..READ MOREREAD LESSAndy - We would just like to thank Josh for everything he has done to get us our home . You have gone above and beyond , your communication was fantastic and guaranteed we will be seeing you again . Thanks Josh and team . Andy and angeREAD MOREREAD LESSA WatsonBrokerage Service. Josh was amazing throughout my entire experience of obtaining a home loan. He is so efficient with responding and really went the extra mile for me. I appreciate all the diligence and care that Josh provides and I highly recommend him.READ MOREREAD LESSLama MakkoukJosh Woodhouse from Strategic 360 Finance is by far the best mortgage broker my wife and I have ever dealt with! After multiple disappointing experiences with some of the largest lending specialists in the country, Josh got the job done! Doing so with ease, excellence, honesty and transparency- Josh exceeded all our expectations with flying colours! Josh's work ethic is a true testament to him. I will ONLY call upon Josh in the future and have highly recommended him to family and friends who agree entirely, he is deserving of the praise. Thank you Josh !READ MOREREAD LESSDaniel Keeton
- Scott has been amazing throughout my pharmacy purchase. I’ve been speaking with Scott for years before finally securing a business. Throughout the entire process not only did he ensure that everything went smoothly, he was always a great ear to talk to when I needed help or advice on anything else. He also re-financed my home loan, and got me a better rate I wouldn’t hesitate recommended him to anyone and everyone. I don’t know how I would have got through the purchase process without his support.READ MOREREAD LESSEmma BissakerJosh was a series of pleasant surprises. We never imagined to have a warm-hearted, caring and kind mortgage broker! Josh truly loves and enjoys being the driving force for first-time buyers to get their own home. Every interaction with Josh is very warm, positive and motivating. Our search went longer than expected for several reasons. Josh has been standing by our side supporting us. He would always come back with really smart answers with our odd questions during the whole time. We cannot thank enough to Josh for making it happen, giving us up to speed, supporting us during the very long search where we nearly gave up, giving us really good advices around the settlement and following up after the settlement and the first loan payment! He is not only very good with what he does with his thoroughness and never-give-up spirit but also has the heart of gold and huge patience. Josh is very, very special. Thank you so much once again for all you have done for us. Josh went far beyond and he did the same to my husband's colleague and his mate. Absolutely talented…READ MOREREAD LESSNaoko IwakiJosh, 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 Pascual
- Exceptional service. Josh’s knowledge and expertise is incredible. he was extremely professional and communication was excellent along every step of the way. Josh was always available to answer any questions we had and made our experience stress free.READ MOREREAD LESSLachlan DonnellyWe couldn't recommend Josh enough! He made the purchase of our first home so easy. Josh was able to break down the differences between all our options, was efficient every step of the process and able to answer any of our questions.READ MOREREAD LESSSarah EzzyTo josh would like to say thank you for being extremely professional patient and super active communication also it was completed josh somehow made it a breeze throughout the whole process nothing at all was too difficult for josh we highly recommend his services never have I met a broker that displays professionalism like josh truly a miracle worker thanks josh you got us for life thank you for your efficiency alsoREAD MOREREAD LESSTerry Terry
- Josh is friendly, knowledgeable, reliable and available. Everything you need in a broker and more! Who knew the process of obtaining finance could actually be enjoyable!READ MOREREAD LESSRhiannan CantoJosh went above and beyond while helping us with the finance for our new home. He kept us updated every step of the way. I would recommend him to anyone that is in need of a great broker.READ MOREREAD LESSAdam SmithI would absolutely recommend Strategic 360 Finance to anyone, my personal experience with Josh Woodhouse was fantastic, very professional and very friendly.READ MOREREAD LESSRyan Jenner
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.