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 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 KhanMortgage & 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 TassellWe'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 Novarina
- Josh 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 IwakiIt has been an absolute pleasure dealing with Josh. Everything worked out smoothly and always within the timeframe that Josh advised. He was very helpful, transparent, always reachable and was very patient, even though we had a lot of first time noob queries. Have to mention that he was prompt and proactive to making sure timelines were maintained. I would highly recommend Josh. And yes of course he was got us e very good rates.READ MOREREAD LESSsushovan podder"Thank you for your assistance throughout the loan process .
Josh has made everything so easy for me .
He 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."
GrazynaREAD MOREREAD LESSGrace - 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 MoodleyScott 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 DemareVery 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 - Acquiring 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 TurnbullThe 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 AllenAmazing and quality service Josh was my broker for purchasing my first home. Being new to the market and not knowing much about purchasing a property, Josh was able to explain the process in a way I could understand and happily answered any questions I had. He would answer questions, provide reassurance and assist me not only during business hours, but after hours and on the weekend too if needed. He is very patient and I wouldn't have been able to purchase a house without his help! Would absolutely recommend him to anyone!READ MOREREAD LESSNichayla Palme
- I've had the pleasure of working with Josh from Strategic 360 finance over the last 2 years. Josh is super knowledgeable and easy to work with and has always tried his best to help get the best deals on the market. Josh made the process of getting a home loan easy and thanks to his hard work I have purchased my first property. Highly recommend!READ MOREREAD LESSVishal TandonI highly recommend Scott Woodhouse for pharmacy lending. Scott is an expert in his field, was very professional but also down to earth. During the lending process, I had many questions, uncertainties and doubts but Scott was able to clear any confusions using his vast knowledge and experience. He could already see the ending as soon as it began, and for a first-time pharmacy purchaser, this was a highly valuable service and asset to have. Thank you Scott and the S3F team!READ MOREREAD LESSVictor VoSam makes a sometimes complicated process hassle free with his knowledge and professionalism. I have had Sam help me on 2 occaisions now and would, without hesitation, seek his services on any finiancial services I need in the future. You can trust him to get the job done.READ MOREREAD LESSgreg horne
- We 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 PattersonCouldn’t ask for better Josh gave me all the options including advice on the best. I took his advice, it went through without an issue and I can’t recommend him any higher than that. If you are looking for a broker contact Josh and ask him for options. It’s well worth it.READ MOREREAD LESSG DJosh, 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 Yeganeh
- 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!!!READ MOREREAD LESSJoanne DaveySWLS provided exceptional, personalised service to help us achieve our financial needs. Good 'ol fashioned' customer focus and communication that has long been abandoned by the big banks!READ MOREREAD LESSSteveWe 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 Pratt
- Josh 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 JeffcottI have been dealing with Scott for over 15 years to achieve my financial needs. He always goes the extra mile to get the deal done, and communicates well to keep you in the loop at all times. This is why I keep going back to him and have no hesitation in recommending him.READ MOREREAD LESSBrian Allman"Thank you for your assistance throughout the loan process . Josh has made everything so easy for me . He 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." GrazynaREAD MOREREAD LESSGrace
- Sam 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 ZammitI 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 ChantCould not recommend Sam enough! He was extremely helpful with every step of the loan process and would respond to any phone calls or emails that same day. His service was brilliant- we couldn’t be happier. Thanks again Sam.READ MOREREAD LESSJaymie Wild
- I don't normally do reviews but with the level of service and attention to details Sam from south west lending solution gave my partner and I, I couldn't help myself. Throughout the whole process Sam and his team were able to refinance our mortgage and my car loan to get us a lower interest rate on both loans and get us some money to do renovations to our house. The best part about it. We are actually paying less per month than we were before and we get to fix up our home. One again, thank you Sam for all your help.READ MOREREAD LESSMark ZammitI 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 TsekourasExceptional 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 Paixao
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.