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 did a fantastic job throughout the entire process of our purchase and refinancing our loans. He is professional, committed and hardworking. Josh always answers his phone at any time of the day. He was upfront and honest at every step of the way. Josh was truly a pleasure to deal with and I would highly recommend him to anyone looking for finance.READ MOREREAD LESSVicki PetersJosh 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 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
- Such great service. Always on top of what’s next and kept us in the loop with everything. Answered all our questions clearly and promptlyREAD MOREREAD LESSDavid BlackburnAmazing 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 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 Mccormack
- 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 ParkhomenkoExceptional 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 GWe recently settled on our first house, much aided by the support and guidance from Josh Woodhouse of S3F group. Needless to say he is well deserving of the 5-star review. He was patient, not pushy, and really had our best interests at heart. I would recommend Josh from S3F group to anyone and everyone.READ MOREREAD LESSBrendan Pratt
- 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 BehanSpecial thanks to Josh Woodhouse at S3F for working with us to ensure we got the finance we needed. He must be commended on his professionalism and timeliness, we can't thank him enough.READ MOREREAD LESSJoshua ScottJosh 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 Smith - 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 BehanFantastic service! Josh worked very hard to get us a great result for our recent purchase. He was very quick to respond to all our questions and guided us through the whole process with ease.READ MOREREAD LESSJenny PreciansMortgage & Investment Re-Finance Right from the start, Josh was transparent. His communication with us was always a priority. We were informed every step of the way. He didn't back down, even with a few hurdles. Always looking after our best interests. My wife & I are extremely happy with what Josh has organised for us. I would recommend his service to all that want a professional on their side.READ MOREREAD LESSGuy Tassell
- 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 mackayScott has been amazing throughout my pharmacy purchase. I’ve been speaking with Scott for years before finally securing a business. Throughout the entire process not only did he ensure that everything went smoothly, he was always a great ear to talk to when I needed help or advice on anything else. He also re-financed my home loan, and got me a better rate I wouldn’t hesitate recommended him to anyone and everyone. I don’t know how I would have got through the purchase process without his support.READ MOREREAD LESSEmma BissakerAbsolutely 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 Cobb
- It was such a good experience buying a house using Sam's systems and wealth of knowledge. Will definitely use these guys again if we ever buy our next place.READ MOREREAD LESSmathijs molJosh 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 LeeAs 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
- I highly recommend Josh Woodhouse from SF3 Finance. He has assisted me with getting a mortgage loan approved very quickly which helped me to secure a purchase of my house. Practical, fast and responsive.READ MOREREAD LESSIrina OuzlovaFrom 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 LawExcellent advice highly recommended give Josh Woodhouse a call to discuss all scenarios With your home loanREAD MOREREAD LESSbrandon tassara
- Josh, 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 YeganehSam 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 DaveyI 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 Zammit
- Without hesitation, we couldn’t recommend Josh more highly! Thanks to his deep market knowledge and superior professionalism, Josh guided us through a surreal milestone and life-changing first-home purchase. He was ever present on a long and unique journey, always adapting and pivoting as the circumstances evolved. Josh continually offered clear communication, calm guidance, and expert advice in a personable and friendly manner. We’d gladly work with Josh again in the future.READ MOREREAD LESSTom RaePleasure 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 MckendryJosh 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 Pickard
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.