Finance made easy,
with experts you can trust.
S3F Group Finance brings together more than 100 years of combined banking, lending and business expertise, formed through the merger of respected finance businesses including Healthy Lending, RTF Finance and Consulate Finance.
We specialise in home loans and industries where expertise truly matters such as:
- Medical & Healthcare - pharmacy, optometry, allied health
- Childcare - centres, operators, investors
- Hospitality - clubs, pubs, licensed venues - centres, operators, investors
- Transport & Logistics - backed by 30+ years of industry experience
With deep industry knowledge and a personalised approach, we structure smarter, more effective lending solutions tailored to your goals.
The S3F Group are your finance partners, guiding you with clarity, confidence and genuine care.
Our directors and senior team bring together decades of hands on finance experience, extensive business‑to‑business management expertise and a practical understanding of how industries operate.
This depth of knowledge means we help you make informed financial decisions backed by real experience.
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
From your first conversation to settlement and beyond we’re with you every step of the way.
We simplify the process, explain your options clearly and ensure every detail is handled with care. Whether you’re securing your first home, expanding your business or financing specialised industry assets, you’ll always know exactly where you stand.

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.
S3F Group helps clients across Australia secure the right finance with clarity and confidence. Our team delivers tailored lending solutions backed by real experience and long‑term support.
Our team of finance professionals provides a wide range of lending solutions tailored to your personal or business needs, including:
- Home & Investment Lending
- Refinancing
- Business Loans
- Commercial & Equipment Finance
- Specialist Industry Finance
- SMSF Lending
- Insurance Premium Funding
Our Goal – To be the finance partner you can rely on delivering exceptional service, clear guidance and ongoing support long after your first transaction.
At S3F Group Finance, you’re not just securing a loan, you’re gaining a long term partner who understands your industry, your goals and the path to achieving them.
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
- I 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 TsekourasFrom start to finish Josh has been so helpful and very responsive, really can’t speak highly enough of him and the service. We’ve had nothing but a positive experience.READ MOREREAD LESSKaye HallWe have had the absolute pleasure of working with Josh to secure our mortgage! My partner and I are beyond impressed with Josh’s professionalism, diligence and knowledge. He has been incredibly flexible and has made the entire process so smooth for us. Cannot recommend Josh highly enough!READ MOREREAD LESSYvonne Moussa
- 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 BaroneJosh 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 BehanI was introduced to Scott through a colleague and I could not recommend him highly enough to anybody. He is professional, reliable, but more importantly approachable and relatable. My wife and I purchased a business together - Scott guided us along the whole process. There were speed bumps along the way however not once did he let that affect him. He was always available when we needed him, even after hours at times. He definitely had our best interest at heart. Will be using his services again.READ MOREREAD LESSJames Yoo
- Excellent service, above and beyound expectations. Our house purchase journey was long, a full year and Josh has been with us every step of the way, always available to answer any questions we had, advising on best options. What was especially important for us is at no point we felt any pressure from Josh to speed things up. Quite the opposite, once he understood what are the most important factors for us in our financial planning he encouraged us to not rush things. And as it often happens in life - at the end of a long marathon we had a bit of a sprint, things had to be done quickly. Once again Josh was our guide and made sure everything was ready for the settlement on time despite a couple of small hurdles that as always appeared where you least expect them. We are very happy with Josh's service and appreciate his in-depth knowledge, personal approach and patience. We will definitely be recommending him to anyone who might be asking for a referral.READ MOREREAD LESSDmitri AstaltsevSam from Strategic 360 Finance has been beyond helpful to us in securing our first home loan. He was extremely efficient and friendly, and always available. Thank you Sam for all your hard work!READ MOREREAD LESSKayla ReidI’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
- I can't recommend Josh Woodhouse highly enough. As a first home buyer who felt completely out of their depth, Josh made the process so much easier, he was patient and explained everything clearly making sure I understood every step of the way. He always went above and beyond, was always available when I needed guidance and made me feel supported and confident working with him!READ MOREREAD LESSelissa sargeantMortgage & 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 TassellBig shout out to Scott and his team. I have now used S3F's financial services for 3 businesses, 1 mortgage (home) and 1 commercial asset loan and each time has been a very thoroughly done deal by Scott and Linda. Each loan was complex however, with his knowledge and expertise, Scott broke it down and made it much simpler for us. As always, rates obtained were very competitive and we can't thank him enough with his negotiation skills. I strongly suggest anyone who is thinking of going up against lenders themselves to consider reaching out to Scott and his team first, as they will make this process so much easier and save you much more in the long run. To Scott and Linda, thank you so very much to the both of you for assisting me with all of my acquisitions.READ MOREREAD LESSVictor Vo
- Josh was recommended to us by a friend and we cannot thank him enough for his expert guidance and assistance in securing our first home loan. Josh’s professionalism and timely/ easy to understand information put us at ease with the whole process. There was never a question or query unanswered and we couldn’t not be happier with his service. We would recommend to anyone that is looking for help. Thank you sincerely again Josh, you have been amazing!READ MOREREAD LESSKSHi Scott and Linda Just wanted to say Thankyou for all your amazing hard work in helping us buy the property in Kununurra. We really appreciate you going the extra mile and will highly recommend you to anybody looking to obtain finance. Your professional and personal approach made the process so much easer than it could have been All the best Mike and StaceyREAD MOREREAD LESSMichael StewartA 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 Arora
- I would recommend Josh without a second thought. He made our first home buying experience easy and always kept us up to date throughout the whole journey. He was always available to chat whenever we had any questions and relieved a lot of the stress along the way. Josh is definitely the person you want if you are after a mortgage broker. Thank you again Josh for your amazing work!READ MOREREAD LESSmatthew funnellSam 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 horneIt was absolutely wonderful working with Scott Woodhouse and his team. They were absolutely great support, always friendly and prompt with responses. They absolutely made the process of buying a house in my SMSF nice and easy. I’d use them again for any future purchases and would recommend them to family and friends.READ MOREREAD LESSNik
- Amazing 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 TranThe team and S3F Group is excellent. Josh W. was awesome and explained everything so well. He was always very quick to respond to any inquiries and offered great guidance. As someone who did this for the first time, Josh helped so much. Would totally recommend.READ MOREREAD LESSAmna RashidS3F was wonderful. Their calm professionalism helped make the process as stress free as possible . Very grateful for the help they gave.READ MOREREAD LESSMichelle Luce
- "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 DutkowskaBEST BROKER YOU"LL FIND!! 10 STARS!! Josh was absolutely amazing helping my fiancé and I buy a house! I could not recommend Josh enough! He was very quick to respond and did everything he could to get us a loan with the best rates from the right bank! Could not recommend anyone more! If in doubt, go to Josh!READ MOREREAD LESSClara PellSaving the day. S3F Group was not our first choice for getting finance for refinancing an existing loan, and arranging an investment loan bundle. We started with a different agent who made such a mess with the setting up that we had to split the loans, put one on the back burner, then came back with a ridiculously high interest rate. After a month of stressful conversations with Agent 1 where we nearly lost the purchase. We began a conversation with Josh who took the same list of requirements as Agent 1. And over a two week period delivered on all of them. We rate Josh and recommend him to anyone who is looking for a constructive, stress free and positive financial outcome.READ MOREREAD LESSDavid K - "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 LESSGraceAmazing 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 PalmeI 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 Zammit - 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 has been an absolute pleasure to work with, available any time we needed and provided clear information and guidance throughout the entire process, we couldnt be more happier with his service, you won't find anyone better, would absolutley recommend him, forget the rest he is the best! ⭐️⭐️⭐️⭐️⭐️READ MOREREAD LESSJamieProfessional, Reliable and Refreshing! Josh was an absolute pleasure to do business with. He would always go above and beyond to ensure our needs were met, answered any questions in a timely manner and would think outside the box to exhaust every opportunity in order to meet our requests. I would highly recommend Josh to anyone that needs financial advice, and we will continue to use his services for any future business. Thanks Josh for your professionalism, personalised service, and being all-round top bloke!READ MOREREAD LESSRebecca 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.