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
- Brilliant experience with Liam at 360 Finance, very impressive & very informative. I was hesitant to speak to 360 finance as I wasn’t sure what they were all about and if they were as good as they made out to be. From this I was greeted over the phone by Liam. Liam was very fast to contact me and made me feel very comfortable throughout the experience. Liam was very patient with me and with the lender. I could not recommend someone more. So happy with my new car & with the process of applying etc. Don’t hesitate to use 360 ! #lifeupgraded #360finance_auREAD MOREREAD LESSAbbie SmithJosh was incredible throughout our first home buying journey. As first-home buyers, we had so many questions, and he was always happy to help, explain things clearly, and guide us through every step of the process. He regularly checked in, kept us informed, and made what could have been a really stressful experience feel so much easier. We genuinely looked forward to our chats with Josh, and he was hands-down the highlight of our home-buying experience! Couldn’t recommend him highly enough!READ MOREREAD LESSTessa RivettJosh 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
- Josh made our first home buying journey absolutely seamless. He was available to assist at short notice and was knowledgeable with his advice. He provided sufficient background on our options in order for us to make an informed decision. He is a great communicator and most importantly very approachable. I was able to ask questions without being rushed throughout the process. Thanks Josh for all your timely support throughout our home buying journey!READ MOREREAD LESSAlisha KassamAll 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 SargeantAs Joe Esposito would say - “you’re the best around” Josh is 10/10. Communicates quickly and accurately, and will generally get you updates before you even think to ask for them. Can’t beat him.READ MOREREAD LESSNick Starr
- 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 OuzlovaI'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 McDonaldGenna 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 Scanlon
- Josh 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 KarunarathneJosh is meticulous and goes above and beyond for his clients. He has been extremely helpful and has made navigating everything a lot more manageable.READ MOREREAD LESSHarrison WebbThis is the second time Sam Zammit from Strategic 360 Finance has assisted my husband and I with our financial needs. This time it was for a loan to purchase an investment property through our SMSF, brand new territory for us. Sam kept us informed during the process and showed patience and professionalism each and every time we spoke with him. Sam goes above and beyond to assist with all the questions we had along the way and would often contact us to provide an update before we even had to ask. Sam has a great network of professionals within the industry, that he referred us to long the way, making our purchase very easy and stress free. We would be pleased to recommend Sam to our family and friends in the future. We look forward to engaging with your services again soon Sam.READ MOREREAD LESSJanine Prodromidis
- Josh 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"Thank you for your assistance throughout the loan process . Josh has made everything so easy for me . He goes out of his way to Exsplain everything in detail he made sure I understood everything and all his advice was in my best interest. I thank you Josh for responding to my emails with in minutes always!!! I will certainly recommend your services to anyone I know who needs a mortgage." GrazynaREAD MOREREAD LESSGraceWe can’t thank Josh enough for all his support during our home loan process. We had a long journey to securing our mortgage and Josh was incredibly patient, answering ALL of our questions and prioritising us making the right decision. This was our first home purchase and Josh was brilliant, he is extremely knowledgeable and walked us through every step, making sure we understood and were comfortable with the decision. We highly recommend Josh and will not hesitate to work with him in the future!READ MOREREAD LESSStuart Bane
- I would recommend Josh to anyone who asks for a great Mortgage Broker! Josh is very professional, knowledgeable and easy to communicate with. He guided me through the entire process and always kept me up to date. From start to end, Josh was very helpful and always happy to answer any questions I had. I cannot recommend him highly enough!READ MOREREAD LESSValeria KellySam 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 ZammitI've had the pleasure of working with Josh from Strategic 360 finance over the last 2 years. Josh is super knowledgeable and easy to work with and has always tried his best to help get the best deals on the market. Josh made the process of getting a home loan easy and thanks to his hard work I have purchased my first property. Highly recommend!READ MOREREAD LESSVishal Tandon
- I was introduced to Scott through a colleague and I could not recommend him highly enough to anybody. He is professional, reliable, but more importantly approachable and relatable. My wife and I purchased a business together - Scott guided us along the whole process. There were speed bumps along the way however not once did he let that affect him. He was always available when we needed him, even after hours at times. He definitely had our best interest at heart. Will be using his services again.READ MOREREAD LESSJames YooWe 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 MoussaJosh was absolutely excellent when it came to helping us secure our first home loan. Nothing was ever too difficult and no question was ever too silly. Josh made us feel comfortable and supported throughout the whole process, allowing for a smooth and easy process. His efforts are so appreciated by us. We know that any future dealings we have with Josh, he will be the most professional and helpful he can be. Thank you again to Josh and the team at Strategic 360 Finance! Kind regards, Rachael and JonREAD MOREREAD LESSRachael Armour
- Could 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 WildSam is an incredible broker who goes above and beyond to ensure you have all the information and make the best choices for you in a professional and friendly manner! Highly recommend SamREAD MOREREAD LESSJessica HebbGreat result. Professional in every way. Josh did an amazing job getting me the loan for the new property. He was efficient and professional with his work. His assessment was accurate and was able to secure an amazing result. He made the whole process easy. I will be asking Josh to help me with any potential future purchases.READ MOREREAD LESSdaniel tran
- 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 would recommend Josh without a second thought. He made our first home buying experience easy and always kept us up to date throughout the whole journey. He was always available to chat whenever we had any questions and relieved a lot of the stress along the way. Josh is definitely the person you want if you are after a mortgage broker. Thank you again Josh for your amazing work!READ MOREREAD LESSmatthew funnellFantastic support and guidance from Josh. Josh was on top of everything at all times, we were never waiting for answers. Josh made everything easy and simpleREAD MOREREAD LESSandrew yelvo
- Josh from S3F Group was outstanding in helping me secure my property purchase. His expertise, clear communication, and commitment made the entire process smooth and stress-free. He was always available to answer questions and worked hard to get the best outcome. I highly recommend Josh and S3F Group for anyone looking for a reliable and knowledgeable broker. Thanks, Josh!READ MOREREAD LESSSam AllenJosh 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 MccormackA 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 Arora
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.