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:

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

Contact us on (02) 8745 8847 or info@s3f.com.au, or fill in this online form.

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. SMSF
    Loans

    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

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.

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