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
- Exceptional service. Josh’s knowledge and expertise is incredible. he was extremely professional and communication was excellent along every step of the way. Josh was always available to answer any questions we had and made our experience stress free.READ MOREREAD LESSLachlan DonnellySWLS 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 LESSSteveGreat 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
- 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 BaneIn a word ... Brilliant! We could not have asked for a better service from Strategic 360. Our account manager, Josh , gave us nothing but confidence in putting our financial future in his hands, he really did go above and beyond! Thanks for all your hard work Josh!READ MOREREAD LESSNicole AttardI was looking to buy my first home by the end of this year, and I was referred to Josh Woodhouse by a friend of mine. He has been so helpful since the beginning. I didn't know too much about what was involved when buying a place, and Josh explained it all (and answered all of my many questions). Thank you Josh, you have been a great help! I highly recommend going through S3F and speaking with him. And I can proudly say I now own my first home 🙂READ MOREREAD LESSKathryn Williams
- "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 LESSGraceGreat 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 TurkI would recommend Josh to anyone who asks for a great Mortgage Broker! Josh is very professional, knowledgeable and easy to communicate with. He guided me through the entire process and always kept me up to date. From start to end, Josh was very helpful and always happy to answer any questions I had. I cannot recommend him highly enough!READ MOREREAD LESSValeria Kelly
- Scott 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 DemareJosh was very professional and knowledgeable. His correspondence with us was always prompt and he is very driven to obtain the best outcome for his clients. I can highly recommend Josh after my experience with him!READ MOREREAD LESSAmanda BurtonAlan and Josh were a great help in getting our house refinanced to a lot better rate with a product that suited our needs in a fast and professional manner. We were showed different options with different benefits to each and products from multiple suppliers so we could get the full picture of products on offer. Thanks again guys.READ MOREREAD LESSMelanie & Luke Oppy - 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 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 funnellAs first home buyers, Josh was always quick to respond to questions we had. He made the process of getting a loan quick and easy, keeping us in the loop the entire time. I would recommend Josh to anyone looking to take out a home loan.READ MOREREAD LESSRohan Scanes
- Best in the business We have had quite a bit of experience with brokers across the years and properties, Josh was nothing short of professional, measured and up-to-date with his approach. Always available and diligent with strategy options, tailored to our plans.READ MOREREAD LESSLiam TurnbullJosh is an exceptionally helpful, professional, and knowledgeable Broker. He consistently responded promptly to our texts, emails, and calls with genuine enthusiasm. His approachable demeanor made us feel at ease asking questions, and he provided unwavering support throughout our home buying journey. We're grateful for his guidance with the paperwork, ensuring everything ran seamlessly. Highly recommend!"READ MOREREAD LESSFelicity LeeJosh Woodhouse helped us get into the housing market and secure our first home! He had a vast knowledge of all the options available for us, and helped us secure a loan that suited our needs. He was always patient and understanding, answering all of our questions no matter how small. Josh was excellent through the entire process, and made a very daunting time run incredibly smoothly. We will definitely be coming to Josh for any future loans or finances!READ MOREREAD LESSConnor Ryan
- Josh @ 360 did an incredible job with the refinance of my loan after a seperation. He took into consideration the circumstances, went above and beyond when it came to sourcing and facilitating options and approvals, and followed up when required. Even with challenges driven from my end cause major issues with timing and approval periods, Josh did not once take the easy road to prematurely finalise the agreement, striving to ensure the best outcome was gained. As a result, he has saved me thousands in interest, provided a great level of insight for the future; and I will not hesitate to use him again / recommend to every that asks me about this subject.READ MOREREAD LESSwoody mackayAbsolutely 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 DoughanSam Zammit got us a great deal on our loans and it was a very smooth easy process. Highly recommended.READ MOREREAD LESSGary Montesin
- A while ago my fiend told me about an amazing mortgage broker who helped her with securing her mortgage when she was buying her property. So when we started thinking about a new family home I asked for his contacts. This broker was Josh Woodhouse and, my friend was absolutely right, Josh is amazing. He walked with us the entire journey from our first thought about a new home and till we actually bought the house. And, as he said, our journey does not stop there, as he will be touching base every few month. Josh was providing an exceptional service by answering all our questions and carefully listening our wishes. Our process of buying our new house was quite lengthy, but Josh was always very patient and never pushed us to speed up the process. I highly recommend Josh, he will guide you through the important and often stressful home buying process.READ MOREREAD LESSJane ParkhomenkoJosh and his team were very professional. He guided us from start to finish, making the purchase of our home a stress free experience. Josh was able to engage the banks on our behalf to get some of the tough questions answered and an excellent outcome.READ MOREREAD LESSRaymond HuynhJosh 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 - 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 MckendryWe used Josh as our mortgage broker for our new property purchase. Our situation was a bit complicated as my husband is self-employed, but Josh was happy to engage with us and take the time to provide expert advice several months before we were even looking to buy, as we prepared to get all our ducks lined up ready to go for the purchase. Once we were ready to buy, Josh gave us some excellent advice on how to structure our loan to maximise benefits from offset accounts while also negotiating with lenders to get us the best interest rate possible. Josh's responsiveness and willingness to help at any time of day was something that we really valued and ultimately enabled us to swiftly close a deal on our property and ensured our finance was all ready to go by settlement date without any hiccups. It was such a smooth and easy process, I would highly recommend Josh to anyone looking for a mortgage broker, especially if you are self-employed!READ MOREREAD LESSAmelia MScott 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 tunks
- We found Sam consistently goes above and beyond for his customers. So glad we used him as our broker. Highly recommended.READ MOREREAD LESSAlison StewartVery professional. Josh helped us at every step of the journey from sorting out our bank loans to the final settlement. He was very professional and contactable the whole time and was always there to help. Overall, it was a very good experience and we highly recommend his services.READ MOREREAD LESSOmar SayahJosh 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 Jeffcott
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.