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 LendingÂ
- 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 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 YooI'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 TandonJosh 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 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 BehanJosh was absolutely amazing to deal with. He had answers for all of our questions, and gave us the best possible outcome. Cheers mateREAD MOREREAD LESSChris KovacsPleasure 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 Mckendry
- Absolutely first-rate and flawless service from Josh Woodhouse and his team at S3F Group. Josh assisted us to secure an excellent financial product perfectly suited to our needs. Seamless and secure onboarding, followed by candid, clear, expert and timely advice. Couldn't ask for better. Highly recommended; will absolutely utilise S3F services again in future. Our thanks again, Josh.READ MOREREAD LESSNicholas CobbOutstanding service-Highly recommended . I had an exceptional experience working with Josh as my bank broker. From the very beginning, he was an incredibly helpful, knowledgeable and dedicated to making the entire process as smooth and stress-free as possible. What stood out most was his speed and efficiency - everything was handled promptly, and he followed up consistently with the bank to ensure my application was processed and approved as quickly as possible. Communication was top-notch. Every time I called or reached out with a question or concern, he responded immediately. That kind of responsiveness and support is rare and truly appreciated. I highly recommend him to anyone looking for a reliable, professional and results-driven bank broker. You’ll be in excellent hands!READ MOREREAD LESSSuzanne WilsonI 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
- From the moment we spoke to Scott, we knew that we wanted to use him as our finance broker. He was extremely knowledgable, professional and importantly we knew we could trust him. This was the first time we were buying a business and Scott was invaluable along the whole process. We cannot recommend Scott and his services enough!READ MOREREAD LESSJess LawJosh 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 LESSJeffGreat guy, super helpful. We were very happy with our experience and have been recommending to all our friends d's and family who are thinking about buying or refinancing.READ MOREREAD LESSRussian Bandit
- If you're looking for a mortgage broker please call Josh Woodhouse. You won't be disappointed. A+READ MOREREAD LESSJohannes PribadiGreat support all the way! Constantly following up everything & searching for every avenue to make a positive outcome happen. Thanks Scott for helping us through the toughest settlement ever!READ MOREREAD LESSHabib TurkExcellent Service. I've contacted Josh thanks to a recommendation of a friend. Josh helped with refinancing my two existing mortgages and securing another one to purchase an investment property. He found a cheaper and more affordable product for me. Needless to say, I will own my home sooner. Communication with Josh was always prompt and clear. The process of re-financing and purchasing a new property at the same time was truly a stress-free experience. Thank you very much Josh, and till next timeREAD MOREREAD LESSRenata Gielis
- 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 funnellJosh was great from our pre-approval right through to settlement. He is friendly, approachable, extremely knowledgeable and made the entire process as easy and stress-free as possible. We are thrilled with the service that Josh has provided us and are looking forward to working with him in the future. Thank you Josh for helping us secure our first home!READ MOREREAD LESStaylarodgerJosh’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
- SWLS helped us consolidate all our debts into one easy payment and taught us how to pay off our home loan faster. We now have a lot more disposable income at the end of each month. Thanks Sam!READ MOREREAD LESSPeter ZammitJosh, 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 YeganehI 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 Dumpala
- Josh 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 DysoScott and the team at S3F were amazing to deal with and assisted promptly with finance options for our new car couldn't be happier with customer service and smooth process of application to approvalREAD MOREREAD LESSjade tunksJosh 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
- Could not recommend Sam enough to anyone! Being new to buying our first home and not knowing much about purchasing a property, Sam was amazing and very helpful at explaining everything step by step, not to mention whenever we had a question he would get back to us very quickly, even if this meant on a weekend or late at night. I would highly highly recommend Sam to anyone!! We would not have been able to purchase our property without him!READ MOREREAD LESSDIt 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 LESSNikJosh was so helpful and knowledgeable and made the whole process easy. He was always available, friendly and professional and kept us informed on the progress of the loan every step of the way, right up to settlement. I would definitely recommend Josh to get you the best loan and to take the stress out of the lending process. Thanks Josh!READ MOREREAD LESSJane Thomson
- Sam 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 is amazing. I am just about to finalise the purchase on my very first investment property, and I can honestly say that it would not have happened if it were not for Josh. I've been wanting to buy an investment property for years, but I have been so worried and anxious about it that I kept putting it off... I sent Josh so many emails - maybe 50 or more - and he ALWAYS replied promptly and with patience and courtesy, no matter how trivial my question was. I cannot recommend him highly enough, especially if you're anxious about taking that first step. Jenny SmithREAD MOREREAD LESSJenny Smith10 out 10. Would finance through Josh anytime! My wife and I secured our home loan through Josh. He is by far the best broker I have worked with. He was with us every every step of the way and was very easy to deal with.READ MOREREAD LESSKevin Lawler
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.