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
- I had the pleasure of working with Josh at the S3F group. Being interested in purchasing a property but not knowing all the intricacies, he was incredibly helpful and patient with me throughout the entire process. He set realistic and straightforward goals as to what sort of property I would be able to purchase, always promptly replied to emails which helped alleviate stress. In the end, I got a great rate on the mortgage and would fully recommend to other interested buyers to get in touch!READ MOREREAD LESSAlan PhanSam 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 HebbOur experience with Srategic 360 Finance has been great! Sam has made everything as easy as can be for us, and has been very attentive to all of our requirements. Sam is extremely friendly, and was very flexible in arranging appointments, and even coming to us to make things even easier throughout the process. We highly recommend the services of Sam and Strategic 360 Finance. You will not be disappointed.READ MOREREAD LESSRhys Collum
- Josh was super helpful and supportive throughout the entire process of securing our loan. Not only did he go above and beyond to ensure we were correctly filling out all necessary documents; he was also super organised and called ahead to ensure everything went through in a timely manner. Would recommend to anyone requiring a loan and would definitely utilise his service again.READ MOREREAD LESSSEAN TURNERJosh Woodhouse has been so helpful every step of the way with getting our first home, from helping us find a lender to settlement day. As my wife and I are FHB, Josh explained everything very clearly for us and always got back to us quickly for any questions that we had. The work he does shows he really takes care of his clients. It's been such a smooth journey, and we would highly recommend Josh to anyone.READ MOREREAD LESSJeffAcquiring finance for our first home was seamless with the help of Josh from Strategic 360 Finance. My partner and I were fortunate enough to purchase our first home working with Josh who ensured all our questions were answered and made the experience so memorable. A few factors in our situation would generally make what we needed quite tricky but with Josh’s knowledge, support and experience the process was seamless. We would recommend Josh to anyone who wants full support and transparency throughout the process of gaining a home loan.READ MOREREAD LESSKieren Turnbull
- Couldn’t ask for better Josh gave me all the options including advice on the best. I took his advice, it went through without an issue and I can’t recommend him any higher than that. If you are looking for a broker contact Josh and ask him for options. It’s well worth it.READ MOREREAD LESSG DI 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 ChantExcellent Service. I've contacted Josh thanks to a recommendation of a friend. Josh helped with refinancing my two existing mortgages and securing another one to purchase an investment property. He found a cheaper and more affordable product for me. Needless to say, I will own my home sooner. Communication with Josh was always prompt and clear. The process of re-financing and purchasing a new property at the same time was truly a stress-free experience. Thank you very much Josh, and till next timeREAD MOREREAD LESSRenata Gielis
- Excellent Refinance Experience. We recently decided to refinance with Josh as an alternative to going to a bank directly as we just felt we needed better advice, clearer communication and a personalised approach for our specific needs. Josh guided us through every hurdle and gave us sound logical options for our decisions. He often took much time to talk about options or provide us with product summaries which really gave us a true understanding of the market. We felt that we were well informed and we were able to take into account many options and many products which were investigated by us to suit our needs. We were able to investigate many refinance products which Josh had suggested to eventually give us the deal that we were looking for. Also many of the cumbersome and time consuming tasks of obtaining contracts and waiting on processes were done instantly in a time effective digital format. Contracts sited, signed and done in a matter of hours not days. Josh gave us clear and concise timelines and precise steps with the correct information so we never felt like we had been mixed up or lost along the way. It’s so much better to have prompt advice and clear steps to this process, it is much better than relying on one person in a bank that maybe unavailable to give you this personal service because they have simply have to much other work to perform. A notoriously boring and time consuming task was made easy with clear steps that eventually led to the refinance deal we wanted. Josh gave us a prompt response when required to place us back on track and finish the task! Highly recommended👍READ MOREREAD LESSEunike Caltabianovery good service, highly recommendedREAD MOREREAD LESSEasy Script DispensaryCouldn'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
- Josh 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 Webb"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 LESSGraceMassive 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 Ricordo - I'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 TandonScott 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 DemareJosh 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 Sim - I had an exceptional experience working with Josh Woodhouse as my finance broker. Josh always found a way to make everything work and helped me secure my home loan while working with my business finances to make this happen. He was incredibly responsive, always returning our calls, and reassured both my partner and I throughout the process. His dedication, professionalism, and ability to make things happen were unmatched. I couldn’t recommend him highly enough. If you’re looking for a reliable and knowledgeable broker, Josh is the one!READ MOREREAD LESSjoeWorking 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 jaradatWe 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
- Great service level, proficient and customer focused. Josh Woodhouse provided great service level helping us get the best financial outcome for our sale, new house purchase and loan requirements meeting all critical deadlines to ensure process was simple and smooth. Great communicator and customer focused. Highly recommend 🙂READ MOREREAD LESSCraig WarrenAbsolutely 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 DoughanExcellent Mortgage Experience We were referred to Sam to be our broker and we couldn’t be happier with our experience! Sam was able to explain the entire purchasing/mortgage process from start to finish in a way that was easy for us to understand as first home buyers. We will be recommending Sam to anyone we know looking for a broker in the future.READ MOREREAD LESSCarly Wall
- Excellent service, above and beyound expectations. Our house purchase journey was long, a full year and Josh has been with us every step of the way, always available to answer any questions we had, advising on best options. What was especially important for us is at no point we felt any pressure from Josh to speed things up. Quite the opposite, once he understood what are the most important factors for us in our financial planning he encouraged us to not rush things. And as it often happens in life - at the end of a long marathon we had a bit of a sprint, things had to be done quickly. Once again Josh was our guide and made sure everything was ready for the settlement on time despite a couple of small hurdles that as always appeared where you least expect them. We are very happy with Josh's service and appreciate his in-depth knowledge, personal approach and patience. We will definitely be recommending him to anyone who might be asking for a referral.READ MOREREAD LESSDmitri AstaltsevBrilliant 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 SmithWe were absolutely blown away by the service we received from Josh! We will never look elsewhere again! From start to finish, Josh did everything possible for us. He is approachable, knowledgeable, and genuine. His communication is impeccable. We cant thank him enough for the assistance he has given us in selling & buying at the same time. It ran so smoothly having his help! I would highly recommend Josh to anyone in the future!READ MOREREAD LESSAngie Duclos
- Could 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 LESSDSpecial 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 ScottThe 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
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.