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
- We've always had wonderful service from Scott Woodhouse. Nothing seems to be a problem, and he has always been prompt in responding to my many enquiries, Scott has pointed me in the right direction regarding loans for my business as well as for our home. I have no hesitation in recommending Scott and Josh to other friends or family. Katerina and Bruce Novarina. Fairy Meadow NSWREAD MOREREAD LESSKaterina NovarinaJosh 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 HaywardJosh’s expertise in his field was clearly evident in each interaction. He ensured we received the most up to date information and guided us through the loan process every step of the way. He was always available to answer any and every question we had and always took the time to ensure we understood our options. He truly went above and beyond and we cannot recommend him highly enough, especially for first home buyers. We look forward to working with him again on our next purchase.READ MOREREAD LESSMarisa B
- 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 DIt 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 molFantastic 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 G
- 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 PaixaoJosh did a fantastic job in getting my Mortgage refinanced, he was very friendly, professional and most of all successful. I have absolutely no hesitation in recommending Josh and his team. Thanks Josh.READ MOREREAD LESSSam DysoJosh 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 Behan - 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 CorbetWe 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 EzzySam helped me out in tuff times, he was able to take my situation into account and worked out my new home loan to my needs. Sam was able to increase the amount I borrowed and reduced my monthly payments. I will always go back to Sam for his great service and expertise. thank you again.READ MOREREAD LESSMark Zammit
- 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 ProdromidisFriendly staff, great communication. Thanks for your help and assistance Sam.READ MOREREAD LESSTracey MontesinScott has been invaluable in obtaining financing for the purchase of my optometry practice. He gives practical advice and sets realistic expectations on timeframes and outcomes. His strong work ethic and experience in the industry were an immense asset during the financing process. My lender was quite impressed with the detail and quality of Scott's work. Thanks for your continued help and expertise, allowing me to grow and prosper my practice!READ MOREREAD LESSGeoff Demare
- Josh was wonderfully helpful, and very responsive to all our queries. I couldn't recommend him highly enough.READ MOREREAD LESSKate FlahertyScott has been invaluable in obtaining financing for the purchase of my optometry practice. He gives practical advice and sets realistic expectations on timeframes and outcomes. His strong work ethic and experience in the industry were an immense asset during the financing process. My lender was quite impressed with the detail and quality of Scott's work.
Thanks for your continued help and expertise, allowing me to grow and prosper my practice!READ MOREREAD LESSGeoff DemareSam Zammit, Gosh.... what can I say?? I would recommended him everyday of the week!! Sam 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!!! ✔ Copied review textREAD MOREREAD LESSjo davey - To 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 TerryJosh, 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 PascualBrilliant experience with Liam at 360 Finance, very impressive & very informative. I was hesitant to speak to 360 finance as I wasn’t sure what they were all about and if they were as good as they made out to be. From this I was greeted over the phone by Liam. Liam was very fast to contact me and made me feel very comfortable throughout the experience. Liam was very patient with me and with the lender. I could not recommend someone more. So happy with my new car & with the process of applying etc. Don’t hesitate to use 360 ! #lifeupgraded #360finance_auREAD MOREREAD LESSAbbie Smith
- Mortgage & Investment Re-Finance Right from the start, Josh was transparent. His communication with us was always a priority. We were informed every step of the way. He didn't back down, even with a few hurdles. Always looking after our best interests. My wife & I are extremely happy with what Josh has organised for us. I would recommend his service to all that want a professional on their side.READ MOREREAD LESSGuy TassellA 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 AroraSam is an incredible broker who goes above and beyond to ensure you have all the information and make the best choices for you in a professional and friendly manner! Highly recommend SamREAD MOREREAD LESSJessica Hebb
- We 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 BaneThe 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 AllenJosh 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 Webb
- We 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 PrattJosh, always supportive and in dead end moments he pulls a rabbit out of his hat. Really pleased had business with you. Thank you.READ MOREREAD LESSFreddie YeganehJosh 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
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.