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 has helped us decide on the best option for a home loan. He is such a great person to go this terrifying journey with. Made us feel confident and on the right track from day 1. He constantly updates and assure us on every step. He is honest and genuine. Josh is a dream machine, making our home dreams possible. Thanks for all his help, we are now homeowners!!! Highly recommending him to everyone.READ MOREREAD LESSAvegail GaddiSam and his team have been terrific. He made the complex seem simple and got us over the line very efficiently. Took up a fight with a previous bank when needed to get them moving. Always promptly responsive to phone calls and correspondence and well on top of his work. Can’t fault the experience and am very happy to recommend them to others.READ MOREREAD LESSChris BrowneJosh 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 Jeffcott
- Amazing Guy - Thanks Josh
Was referred to Josh by my business partner. He's been absolutely fantastic from the very first phone call. Always available and always keeping you in touch with what's going on. Josh went above and beyond to secure my loan, always presenting best case scenarios and options. Will always look to Josh first before taking out another home loan.READ MOREREAD LESSRasigan MoodleyI 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 a passionate and consummate professional who is amazing at providing realtime solutions every time we threw difficult questions his way. He is reliable, diligent and has a can-do attitude that put us at ease from the word 'go'. But what sets him apart from the rest of the financial experts in his field is his level of expertise, honesty and integrity with which he deals with all clients. We'd highly recommend Josh and his team.READ MOREREAD LESSAly Khan - Josh was super helpful and supportive throughout the entire process of securing our loan. Not only did he go above and beyond to ensure we were correctly filling out all necessary documents; he was also super organised and called ahead to ensure everything went through in a timely manner. Would recommend to anyone requiring a loan and would definitely utilise his service again.READ MOREREAD LESSSEAN TURNERWe 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 DAlways keep us in the loop and answered all questions promptlyREAD MOREREAD LESSRobert Walker
- Sam provided consistent support throughout the entire transaction even after our lender could not fully understand the proposed matter which required and LPO/LTO ruling. It you want an honest, supportive, and truthful broker that looks after your best interest in an ethical way then Sam Zammit of South West lending Solutions is your man.READ MOREREAD LESSgn epWe recently settled on our first house, much aided by the support and guidance from Josh Woodhouse of S3F group. Needless to say he is well deserving of the 5-star review. He was patient, not pushy, and really had our best interests at heart. I would recommend Josh from S3F group to anyone and everyone.READ MOREREAD LESSBrendan PrattI 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
- It was such a good experience buying a house using Sam's systems and wealth of knowledge. Will definitely use these guys again if we ever buy our next place.READ MOREREAD LESSmathijs molGreat service, very professional and made things very easy.READ MOREREAD LESSGeorge DaoudI’d like to say thank you Josh for your expertise and patience throughout this process. You have been fantastic from the beginning to end. Thanks for always answering our questions and always with a smile (yes that does show through emails too 😀). I would highly recommend Josh as someone who goes above the requirements and always in a timely manner. He makes you feel as though you’re family; therefore important. Thanks again Josh.READ MOREREAD LESSRochelle McFarlane
- "Thank you for your assistance throughout the loan process Josh, you have made everything so easy for me with at all times throughout communicating with me .
Josh goes out of his way to Exsplain everything in detail he made sure I understood everything and all his advice was in my best interest.
I thank you Josh for responding to my emails with in minutes always!!!
I will certainly recommend your services to anyone I know who needs a mortgage."READ MOREREAD LESSGrazyna DutkowskaAs 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 ScanesWe found Sam consistently goes above and beyond for his customers. So glad we used him as our broker. Highly recommended.READ MOREREAD LESSAlison Stewart - Friendly staff, great communication. Thanks for your help and assistance Sam.READ MOREREAD LESSTracey MontesinI 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 cocksI have no hesitation in recommending Sam and the team at Southwest Lending Solutions, my personal business dealings have been effortless and stress free. It is clear that Sam is passionate about finance and his expertise shows within his actions.READ MOREREAD LESSHamish Quirk
- Josh and Scott Woodhouse are an amazing duo, their professionalism and easy approach attitude is incredible. Always available to answer difficult or silly questions. Spending the time to ensure you are happy, they give a one on one service that is rare in this day and age. They provide trustworthy and honest advice which builds your confidence in them every step of the way. We highly recommend their service. Josh and Scott will forever be a part of our future financial goals. No matter where you are in Australia, Josh and Scott will make it work for you. Susanne & Anthony Hayward, QLDREAD MOREREAD LESSSusanne HaywardFantastic customer service, a wealth of knowledge and overall great people at SWLS. Without the Help of Sam Zammit- we would not have our first property. South West Lending Solutions also offer other financial services and have great contacts at your disposal. Do yourself a favour- and give Sam Zammit a call!READ MOREREAD LESSReece GWe can’t thank Josh enough for all his support during our home loan process. We had a long journey to securing our mortgage and Josh was incredibly patient, answering ALL of our questions and prioritising us making the right decision. This was our first home purchase and Josh was brilliant, he is extremely knowledgeable and walked us through every step, making sure we understood and were comfortable with the decision. We highly recommend Josh and will not hesitate to work with him in the future!READ MOREREAD LESSStuart Bane
- High anxiety gets relieved by helpful broker. Could not have made the process easier, we asked, we got the info, we chose, we got approval, we got our dream house! Thank you so much for handling everything! We could not have asked for a better broker 🙂READ MOREREAD LESSAaron CorbetJosh 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 LHJosh 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 Smith
- Josh was absolutely excellent when it came to helping us secure our first home loan. Nothing was ever too difficult and no question was ever too silly. Josh made us feel comfortable and supported throughout the whole process, allowing for a smooth and easy process. His efforts are so appreciated by us. We know that any future dealings we have with Josh, he will be the most professional and helpful he can be. Thank you again to Josh and the team at Strategic 360 Finance! Kind regards, Rachael and JonREAD MOREREAD LESSRachael ArmourThe team at Strategic 360 Finance are fantastic to work with. They're very knowledgeable, friendly and offer a diverse range of expertise within their team. Have seen them provide outstanding results time and time again! Strongly recommend them.READ MOREREAD LESSEmma AllenWe 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 Ezzy
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.