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 Woodhouse from Strategic 360 Finance is by far the best mortgage broker my wife and I have ever dealt with! After multiple disappointing experiences with some of the largest lending specialists in the country, Josh got the job done! Doing so with ease, excellence, honesty and transparency- Josh exceeded all our expectations with flying colours! Josh's work ethic is a true testament to him. I will ONLY call upon Josh in the future and have highly recommended him to family and friends who agree entirely, he is deserving of the praise. Thank you Josh !READ MOREREAD LESSDaniel KeetonVery happy customers Josh Woodhouse was a brilliant mortgage broker. No question was to silly, he would answer all questions quickly and at any time. We felt so supported the whole way through. Highly recommend him to everyone. As newbies he was able to explain everything very well and left us not feeling overwhelmed during the house buying process. Thank you Josh! Lizz and MattREAD MOREREAD LESSElizabeth McBrideGreat 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 Warren
- Saving the day. S3F Group was not our first choice for getting finance for refinancing an existing loan, and arranging an investment loan bundle. We started with a different agent who made such a mess with the setting up that we had to split the loans, put one on the back burner, then came back with a ridiculously high interest rate. After a month of stressful conversations with Agent 1 where we nearly lost the purchase. We began a conversation with Josh who took the same list of requirements as Agent 1. And over a two week period delivered on all of them. We rate Josh and recommend him to anyone who is looking for a constructive, stress free and positive financial outcome.READ MOREREAD LESSDavid KJosh 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 DysoTo josh would like to say thank you for being extremely professional patient and super active communication also it was completed josh somehow made it a breeze throughout the whole process nothing at all was too difficult for josh we highly recommend his services never have I met a broker that displays professionalism like josh truly a miracle worker thanks josh you got us for life thank you for your efficiency alsoREAD MOREREAD LESSTerry Terry
- The 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 AllenJosh went above and beyond while helping us with the finance for our new home. He kept us updated every step of the way. I would recommend him to anyone that is in need of a great broker.READ MOREREAD LESSAdam SmithFantastic 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
- I have known Sam for many years and have had all my home loans done through him. Sam makes the process easy and I am confident he will find me the best loan which suits my financial situation. Sam is available at any time for help and advice. I am looking forward to dealing with him in the future.READ MOREREAD LESSJoseph ZammitWe couldn't recommend Josh enough! He made the purchase of our first home so easy. Josh was able to break down the differences between all our options, was efficient every step of the process and able to answer any of our questions.READ MOREREAD LESSSarah EzzyAmazing 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 Tran
- I highly recommended the mortgage broker Genna Johns from S3F Group because she provided lots of great advice, guidances, suggestions, and she was always able to answer the questions so well. I had to ask her many questions or double-checking with her sometimes just to make sure I understand everything I must know when looking for a place, when applying for a loan, when doing the inspections, when communicating with the real estate agents/conveyancers/solicitors, and so on. Genna also have supported my hearing disability and I could not listen well over the phone calls, she made sure the lender, the solicitors/conveyancers and the real estate agents to communicate with me via email or text or national relay instead. She is also LGBTIQ+ friendly, open-minded, non-judgemental and very kind. I finally got my first home! I am so thankful for her support it means a lot to me 😊READ MOREREAD LESSNeil SharmaCouldn't have higher recommendations of Sam and the team. He was great with working with our needs and getting us into our new home, whilst maintaining what we already had.READ MOREREAD LESSNeil BourkeGreat 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 Bandit
- I 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 ZammitOur experience with S3F has been amazing, without Scott I honest don’t think we would have what we have today! Everything is so professional yet comfortable and Scott worked in round our work and family commitments. We can not thank him enough for what he has helped us achieve in particular the last 6 monthsREAD MOREREAD LESSAshleigh MunnsWe 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
- Always amazing!! Sam has been a massive asset to the development of our property portfolio. He has a deep understanding of the loan structures and borrowing arrangements for so many lenders across all states and always ensures that he finds the best possible options for us. Our last purchase was a complex new build that had multiple Covid delays and at no time did Sam ever complain about having to go through all of the paperwork again and again as we needed to keep extending loans and then reapplying. Thank you Sam for always being cool, calm and able to reassure us that we would get the bets outcome in the end, no matter how difficult the situation appeared at times.READ MOREREAD LESSNeil BourkeSWLS helped us consolidate all our debts into one easy payment and taught us how to pay off our home loan faster. We now have a lot more disposable income at the end of each month. Thanks Sam!READ MOREREAD LESSPeter ZammitI 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 Yoo
- Josh Woodhouse helped us get into the housing market and secure our first home! He had a vast knowledge of all the options available for us, and helped us secure a loan that suited our needs. He was always patient and understanding, answering all of our questions no matter how small. Josh was excellent through the entire process, and made a very daunting time run incredibly smoothly. We will definitely be coming to Josh for any future loans or finances!READ MOREREAD LESSConnor RyanAbsolutely 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 CobbThe team and S3F Group is excellent. Josh W. was awesome and explained everything so well. He was always very quick to respond to any inquiries and offered great guidance. As someone who did this for the first time, Josh helped so much. Would totally recommend.READ MOREREAD LESSAmna Rashid
- Josh provided expert advice and went above and beyond. Josh helped us tremendously by being a step ahead and provided consistent review and feedback.READ MOREREAD LESSNavid ZolfagharianJosh 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 LESSJamieCouldn'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 was great from our pre-approval right through to settlement. He is friendly, approachable, extremely knowledgeable and made the entire process as easy and stress-free as possible. We are thrilled with the service that Josh has provided us and are looking forward to working with him in the future. Thank you Josh for helping us secure our first home!READ MOREREAD LESStaylarodgerThis was my first time dealing with S3F group my experience was impeccable from pre approval to settlement everything was like clockwork. I would highly recommend and will be the only broker I use in the future. Thanks again joshREAD MOREREAD LESSJames MartinScott 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 Demare
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.