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
- Pleasure to deal with, understood our needs, excellent communication. I'd never used a broker before, so I have no idea what to expect, however Josh was easy going and made the process super easy for us. He was always on the ball, constantly communicating with us, he was understanding of our financial situation, he was very level headed about the process and how much we should try and spend. He managed to get us a loan that met our budget, and we were able to afford our dream home. I'll definitely be recommending him to my friends and family.READ MOREREAD LESSMatthew MckendryExcellent Customer Service & Timely Advice. I was extremely impressed with the high level of communication & professionalism that Josh operated with. He always went above & beyond to provide the best possible solution & always kept me updated with how everything was progressing. I would not hesitate to recommend Josh & his services!READ MOREREAD LESSMitchellHome Loan Establishment and Approval. Josh was great to deal with whilst applying for our home loan. This was during a difficult time in September 2022, around the time the cash rate began to increase. Josh was great in keeping us updated and doing everything he could to make it a seamless process. Thanks!READ MOREREAD LESSMitchell Pitman
- Absolutely stellar service! Scott was instrumental in securing the finance needed. His expertise and dedication made the process smooth and efficient. I highly recommend them to anyone in need of financial assistance.READ MOREREAD LESSRami DoughanI had an outstanding experience working with Scott throughout the entire loan process. From the very beginning, he provided clear guidance, honest advice, and exceptional support. He helped secure me a great deal and made what could have been a stressful process feel smooth and straightforward.Scott's communication and follow ups were excellent, he always keeping me informed, answering questions promptly, and ensuring everything stayed on track. A special thanks to Scotts team member Linda, who was incredibly professional, and supportive throughout the process.I truly appreciate the dedication and personal attention from both of them. I highly recommend their services to anyone looking for a reliable and knowledgeable advisor who genuinely cares about achieving the best outcome for their clients. Thank you, ScottREAD MOREREAD LESSSunila DumpalaI 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 Tsekouras
- A thorough and professional purchase experience. Josh Woodhouse recently assisted me with the purchase of a property. I was impressed with the thorough and professional way he provided his mortgage broking service to me. His knowledge about the matter at hand, and mist importantly, the strategy that was best adopted to succeed with the application was second to none. The experience was also highly personalised. Josh always returned calls, even if contact was required after business hours. Discussion on important matters was never too difficult, and Josh always took all the time necessary to explain anything that was unclear. He also had the answer on hand to any enquiries even though he had no prior warning to questions that were going to be asked. I couldn't recommend Josh highly enough and I would have no hesitation in seeking his assistance in the future. The whole process, and the fact that someone with his knowledge and commitment to quality service is available for future purchases gives me great peace of mind.READ MOREREAD LESSDean LivanosAmazing quality of service by Scott who helped me purchase my first optometry business. Scott was very knowledgeable, helpful, responsive and easy to work with through every step of the process. Thank you again Scott for your assistance and for being a part of the journey!READ MOREREAD LESSJaka BambangSpecial 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
- Brokerage 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 MakkoukGreat service, very professional and made things very easy.READ MOREREAD LESSGeorge DaoudExceptional 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 - Brilliant 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 SmithJosh 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 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 Kelly
- Josh was very good to deal with and made the process simple. I highly recommend Josh and the S3F Group.READ MOREREAD LESSMeg SSam, its a pleasure working with you. We appreciate all the effort that you put in to your work.READ MOREREAD LESSDamien GauciWithout hesitation, we couldn’t recommend Josh more highly! Thanks to his deep market knowledge and superior professionalism, Josh guided us through a surreal milestone and life-changing first-home purchase. He was ever present on a long and unique journey, always adapting and pivoting as the circumstances evolved. Josh continually offered clear communication, calm guidance, and expert advice in a personable and friendly manner. We’d gladly work with Josh again in the future.READ MOREREAD LESSTom Rae
- We found Sam consistently goes above and beyond for his customers. So glad we used him as our broker. Highly recommended.READ MOREREAD LESSAlison StewartSam 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 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
- Highly recommend.. Great customer services. Will definitely use Strategic 360 Finance again..READ MOREREAD LESSAndyJosh 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 LESSJamieJosh 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 Woodhouse has been so helpful every step of the way with getting our first home, from helping us find a lender to settlement day. As my wife and I are FHB, Josh explained everything very clearly for us and always got back to us quickly for any questions that we had. The work he does shows he really takes care of his clients. It's been such a smooth journey, and we would highly recommend Josh to anyone.READ MOREREAD LESSJeffI had an exceptional experience working with Josh Woodhouse as my finance broker. Josh always found a way to make everything work and helped me secure my home loan while working with my business finances to make this happen. He was incredibly responsive, always returning our calls, and reassured both my partner and I throughout the process. His dedication, professionalism, and ability to make things happen were unmatched. I couldn’t recommend him highly enough. If you’re looking for a reliable and knowledgeable broker, Josh is the one!READ MOREREAD LESSjoeWe 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
- I 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 QuirkJosh has been an absolute pleasure to deal with the past few months. He is so prompt with getting back to me with all my questions. He has made the whole process of getting a mortgage very easy. I would recommend him and his team to anyone looking to get a loan out. Thank you so much Josh.READ MOREREAD LESSDoreen MccormackI 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
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.