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 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 BehanAlan 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 OppySam, its a pleasure working with you. We appreciate all the effort that you put in to your work.READ MOREREAD LESSDamien Gauci
- Sam 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 ReidVery 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 McBrideExceptional Broker! Sam has been my broker for over 5 years now and has helped me with all financial aspects from personal loans to our most recent mortgage changeover. Sam recently overseen the sale and purchase of our properties and made the entire process stress free. It has been great working with Sam and he is always happy to make contact if there is something you do not understand. Sam is an exceptional broker and a truly kind person!READ MOREREAD LESSReece G
- Couldn't be happier with Josh and the team. Really thorough with their processes and helped me get the best deal possible for my finance. Would highly recommend for all financial needs.READ MOREREAD LESSAaron MessinaJosh Woodhouse from S3F Group helped me buy my first home. He was warm, professional and amazingly knowledgeable from the outset and continued to help me feel comfortable with this massive milestone. Buying a house is no small thing, but especially when you are doing it by yourself. However, Josh's professional calmness and insight allowed me to relax and enjoy the process, secure in the knowledge that I was able to get into the market without over extending myself. If you want some friendly advice, do yourself a favour and get in touch with Josh! He will find you a deal to suit your needs and circumstances, honestly and kindly.READ MOREREAD LESSBeck PickardScott 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 Demare - I 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 AllmanI 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 QuirkFrom 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 Hall
- I received friendly, helpful and prompt service from Genna! She followed up on various issues and kept me informed of my loan's progress, regularly. I am very happy with her service; and would highly recommend her to anyone!!READ MOREREAD LESSAlan WilkinsonI would absolutely recommend Strategic 360 Finance to anyone, my personal experience with Josh Woodhouse was fantastic, very professional and very friendly.READ MOREREAD LESSRyan JennerJ Woodhouse - AMAZING. Josh went above & beyond while helping us refinance our house. He is very knowledgeable with all things and gave me personalised options and explained everything perfectly even if I had to ask multiple times for him to explain it. I will definitely be using him again in the future as I know he has our best interests at heart and we arnt just a number to him. Thank you Josh & the rest of the team.READ MOREREAD LESSLouise Deamer
- Josh 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 MccormackHighly recommend Josh. He was amazing and has high quality service. Josh was our broker for purchasing our first home on the Mid North Coast. Josh was a superstar for us as we navigated our first purchase. He responded to every email promptly, took and returned every phone call and emails regardless of the time or day, even weekends. We couldn't have done this without Josh by our side. 100% recommend Josh to anyone.READ MOREREAD LESSSandie Grant-McDonellJosh was incredible to work with in securing our mortgage! He was very helpful and patient and I would recommend him to anyone. He helped us work through many different options and thanks to Josh we settled on our home.READ MOREREAD LESSnat figg
- Sam was so good and patient with us, we were so happy with the recommendations made. Would not hesitate in recommending Sam to anyone! If you are looking for great service, knowledge and experience Sam is the best person to work with.READ MOREREAD LESSHoda WelchWe have used Josh's services on several occasions because he is great to deal with, knowledgeable and gets the best options for us. He makes the process seamless, which we are very grateful for because our property portfolio is complex. Thank you Josh for your exceptional work, for all our properties!READ MOREREAD LESSFin DI've personally known Scott for around 25 years, and have now set up finance with both Scott and Josh. They know their stuff, they present the options to me clearly and in an unbiased fashion, listening to what I want in a product. Quick to respond, informative, and helpful. Will be the first port of call for any finance products in the future.READ MOREREAD LESSPete McDonald
- Genna from S3F Group was honestly awesome to deal with. She made the whole process so much easier than I expected and was always there to answer any questions (no matter how small).She explained everything in a way that actually made sense and kept me in the loop the whole time, which I really appreciated. You can tell she genuinely cares about getting the best outcome and not just rushing things through.Super easy to deal with, friendly, and just really good at what she does. I’d definitely recommend Genna to anyone looking for a mortgage brokerREAD MOREREAD LESSBrock ScanlonJosh 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 BurtonBrokerage 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 Makkouk
- We've had the pleasure of utilising Josh's services for the past 18 months as we worked toward purchasing our home. We cannot recommend him highly enough - with clear communication and direct answers to some of our curly questions. We've today settled on our purchase and could not be happier! The whole process was made 100 times easier with Josh's help and we are so very thankful. 100 / 100 stars to Josh! - E & K LawlerREAD MOREREAD LESSErin LJosh is a top class professional and provides personalised friendly service. This was our first home buy and there were lots of unknowns in the journey. We were provided with precis guidance and helped us all the way through to the settlement. I will recommend Josh Woodhouse to anyone with no hesitation.READ MOREREAD LESSRanil KarunarathneSam Zammit, Gosh.... what can I say?? I would recommended him everyday of the week!! 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!!! ✔ Copied review textREAD MOREREAD LESSjo davey
- Would highly recommend Josh for your financial services. Very knowledgeable and easy to deal with. Thanks Josh for your serviceREAD MOREREAD LESSJocelyn SchulzDealt with Josh recently for a detailed Unit Trust purchase and it was nothing but smooth sailing! Josh was upfront, honest and fourth coming with information that will assist us and other parties. I couldn't recommend Josh and S3F Group enough..READ MOREREAD LESSJared BarryJosh was an absolute pleasure to deal and took all the uncertainty of the loan process out of it. Can't thank you enough for making the process easier for us. Would recommend him to anyone.READ MOREREAD LESSBlayne Webb
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.