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 a series of pleasant surprises. We never imagined to have a warm-hearted, caring and kind mortgage broker! Josh truly loves and enjoys being the driving force for first-time buyers to get their own home. Every interaction with Josh is very warm, positive and motivating. Our search went longer than expected for several reasons. Josh has been standing by our side supporting us. He would always come back with really smart answers with our odd questions during the whole time. We cannot thank enough to Josh for making it happen, giving us up to speed, supporting us during the very long search where we nearly gave up, giving us really good advices around the settlement and following up after the settlement and the first loan payment! He is not only very good with what he does with his thoroughness and never-give-up spirit but also has the heart of gold and huge patience. Josh is very, very special. Thank you so much once again for all you have done for us. Josh went far beyond and he did the same to my husband's colleague and his mate. Absolutely talented…READ MOREREAD LESSNaoko IwakiHighly recommend Josh. Great experience with Josh! Josh is knowledgeable, approachable and very efficient. Easy to deal with, very friendly nature and communication is impressive. Very grateful for Josh assisting us in securing a refinancing loan. Thanks Josh!READ MOREREAD LESSJoanne BaroneJosh’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
- Josh was absolutely amazing in helping us achieve our first home loan. He was very helpful in breaking down terminology, and helping us understand the differences between each option. He frequently told us what to expect, explaining each step along the way and always kept us updated. 100% would recommend Josh as a broker.READ MOREREAD LESSSamuel SimHi Scott and Linda Just wanted to say Thankyou for all your amazing hard work in helping us buy the property in Kununurra. We really appreciate you going the extra mile and will highly recommend you to anybody looking to obtain finance. Your professional and personal approach made the process so much easer than it could have been All the best Mike and StaceyREAD MOREREAD LESSMichael StewartAwesome Broker, Professional, Genuine and Reliable, Highly Recommended to help you with your financial needs.READ MOREREAD LESSNeil Manuel
- Working with S3F Group was a really positive experience. From the start, the team was approachable, professional, and genuinely interested in helping me find the right financial solution. They took the time to explain everything clearly, answered all my questions, and tailored their advice to suit my personal and business needs. I felt supported throughout the whole process, and their communication was consistent and reassuring. It’s not easy navigating finance, but they made it simple and stress-free. I’d definitely recommend S3F Group to anyone looking for trustworthy and experienced financial guidance.READ MOREREAD LESSahlam jaradatScott 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 DemareCould not recommend Sam enough! He was extremely helpful with every step of the loan process and would respond to any phone calls or emails that same day. His service was brilliant- we couldn’t be happier. Thanks again Sam.READ MOREREAD LESSJaymie Wild - Great 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 BanditAmazing customer service from start to finish. Josh was incredibly helpful and efficient in securing our home loan. He supported us (with great patience) all the way through to settlement. Would highly recommend!READ MOREREAD LESSLuke TranJosh 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 - Sam helped me out in tuff times, he was able to take my situation into account and worked out my new home loan to my needs. Sam was able to increase the amount I borrowed and reduced my monthly payments. I will always go back to Sam for his great service and expertise. thank you again.READ MOREREAD LESSMark ZammitJosh 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 BehanScott, Josh, Linda and the team are absolutely fantastic. They provide excellent 11 out of 10 service and always go out of their way to assist. We have been dealing with S3F for a few years now and they are always available to take our call or provide input to our financing needs. Anyone considering using these guys, you will not find better anywhere else.READ MOREREAD LESSAndrew Yanz
- Josh 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 LeeFrom 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 HallThe team at Strategic 360 Finance are fantastic to work with. They're very knowledgeable, friendly and offer a diverse range of expertise within their team. Have seen them provide outstanding results time and time again! Strongly recommend them.READ MOREREAD LESSEmma Allen
- Josh was recommended to us by a friend and we cannot thank him enough for his expert guidance and assistance in securing our first home loan. Josh’s professionalism and timely/ easy to understand information put us at ease with the whole process. There was never a question or query unanswered and we couldn’t not be happier with his service. We would recommend to anyone that is looking for help. Thank you sincerely again Josh, you have been amazing!READ MOREREAD LESSKSIn 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 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
- I do not hesitate recommending Sam at all. He is extremely knowledgeable and will go to all lengths to make sure you receive the best loan available. He is friendly, professional and the best in the business. I wouldn't trust anyone else.READ MOREREAD LESSSarah ChantOur first time needing finance and our situation was quite complicated. I couldn't recommend Josh more highly, he helped us every step of the way.READ MOREREAD LESSShane BrayAll class! Would fully recommend Josh Woodhouse as a mortgage broker to anyone I know. His communication and expertise were top notch and he made the process of getting a mortgage a breeze. Josh was also very approachable which was important for me seeing as it's the first time I'd got a mortgage. Fully recommend to anyone looking for a broker!READ MOREREAD LESSTom Sargeant
- I 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 WilliamsI don't normally do reviews but with the level of service and attention to details Sam from south west lending solution gave my partner and I, I couldn't help myself. Throughout the whole process Sam and his team were able to refinance our mortgage and my car loan to get us a lower interest rate on both loans and get us some money to do renovations to our house. The best part about it. We are actually paying less per month than we were before and we get to fix up our home. One again, thank you Sam for all your help.READ MOREREAD LESSMark ZammitWe have had the absolute pleasure of working with Josh to secure our mortgage! My partner and I are beyond impressed with Josh’s professionalism, diligence and knowledge. He has been incredibly flexible and has made the entire process so smooth for us. Cannot recommend Josh highly enough!READ MOREREAD LESSYvonne Moussa
- Josh 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 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 DysoWe found Sam consistently goes above and beyond for his customers. So glad we used him as our broker. Highly recommended.READ MOREREAD LESSAlison Stewart
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.