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
- Josh was extremely helpful with guiding us through the home loan process. He was very thorough in all his communications and delivering the final product. Thanks so much Josh for making our process so smooth and streamlined.READ MOREREAD LESSjoel nikoloffJosh, Scott and the team at Strategic 360 Finance are generous in sharing their knowledge and expertise to get the best outcomes for their clients. Excellent service!READ MOREREAD LESSLove PascualBEST 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 Pell
- From 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 HallGenna 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 ScanlonAbsolutely 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 Doughan
- Amazing Guy - Thanks Josh
Was referred to Josh by my business partner. He's been absolutely fantastic from the very first phone call. Always available and always keeping you in touch with what's going on. Josh went above and beyond to secure my loan, always presenting best case scenarios and options. Will always look to Josh first before taking out another home loan.READ MOREREAD LESSRasigan MoodleyJosh, 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 YeganehCould 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 LESSD - We had Josh recommended by a friend. His service was excellent and had a really good understanding of our circumstances and which banks would be best to approach for loans. We ended up with approval for the amount we wanted and Josh made sure we got the fixed portion of our loan locked in to a low interest rate before the rate rises - he gave us a few calls to remind us to get all the paperwork sorted. Without Josh we might not have been able to borrow the amount we wanted as quickly as we wanted.READ MOREREAD LESSTodd AspeotisJosh is friendly, knowledgeable, reliable and available. Everything you need in a broker and more! Who knew the process of obtaining finance could actually be enjoyable!READ MOREREAD LESSRhiannan CantoI 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 Wilkinson
- 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 WelchCouldn't have higher recommendations of Sam and the team. He was great with working with our needs and getting us into our new home, whilst maintaining what we already had.READ MOREREAD LESSNeil BourkeS3F 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
- Amazing 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 BambangJosh 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 SmithAlan 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
- A 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 AroraFantastic customer service, a wealth of knowledge and overall great people at SWLS. Without the Help of Sam Zammit- we would not have our first property. South West Lending Solutions also offer other financial services and have great contacts at your disposal. Do yourself a favour- and give Sam Zammit a call!READ MOREREAD LESSReece GOur experience with S3F has been amazing, without Scott I honest don’t think we would have what we have today! Everything is so professional yet comfortable and Scott worked in round our work and family commitments. We can not thank him enough for what he has helped us achieve in particular the last 6 monthsREAD MOREREAD LESSAshleigh Munns
- Fantastic, very professional and made it an easy process. Josh was fantastic to deal with and made our experience a really smooth process especially when it can get overwhelming with all of the information from the banks, Josh was able to simplify and explain everything to my partner and I. We really look forward to using Josh for future bank loans.READ MOREREAD LESSEllie GouldingI highly recommend Josh. Josh was professional and knowledgeable and guided us through the loan process to successfully achieve our home loan. We will engage Josh for all future endeavors. Thank you Josh for making the process hassle-free.READ MOREREAD LESSkim cocksSam 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!!!READ MOREREAD LESSJoanne Davey
- Josh 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 BurtonMassive 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 provided expert advice and went above and beyond. Josh helped us tremendously by being a step ahead and provided consistent review and feedback.READ MOREREAD LESSNavid Zolfagharian
- Exceptional 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 McGowanI highly recommend Scott Woodhouse for pharmacy lending. Scott is an expert in his field, was very professional but also down to earth. During the lending process, I had many questions, uncertainties and doubts but Scott was able to clear any confusions using his vast knowledge and experience. He could already see the ending as soon as it began, and for a first-time pharmacy purchaser, this was a highly valuable service and asset to have. Thank you Scott and the S3F team!READ MOREREAD LESSVictor VoCouldn'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 Messina
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.