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’s expertise in his field was clearly evident in each interaction. He ensured we received the most up to date information and guided us through the loan process every step of the way. He was always available to answer any and every question we had and always took the time to ensure we understood our options. He truly went above and beyond and we cannot recommend him highly enough, especially for first home buyers. We look forward to working with him again on our next purchase.READ MOREREAD LESSMarisaBeing a first home buyer with my partner, Josh Woodhouse made the process as simple as possible. Josh was able to provide us with great recommendations based on our personal circumstances and easy to read comparison documents. He went above and beyond to provide us with support and knowledge which we had no clue about! It made our buying process less stressful knowing Josh was reliable, responsive and trustworthy. He worked great with our solicitor and showed his years of experience through his articulate emails and thorough conversations we had. I highly recommend Josh for your broker needs due to his proactiveness, genuine nature and reliability. If anyone asks us for a broker we recommend, it would be Josh.READ MOREREAD LESSMina PotkonjakJosh was so helpful and knowledgeable and made the whole process easy. He was always available, friendly and professional and kept us informed on the progress of the loan every step of the way, right up to settlement. I would definitely recommend Josh to get you the best loan and to take the stress out of the lending process. Thanks Josh!READ MOREREAD LESSJane Thomson
- Josh was great to work with and so helpful for us throughout the process.READ MOREREAD LESSAidan MurphyOur 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 CollumJosh was recommended to us by a friend and we cannot thank him enough for his expert guidance and assistance in securing our first home loan. Josh’s professionalism and timely/ easy to understand information put us at ease with the whole process. There was never a question or query unanswered and we couldn’t not be happier with his service. We would recommend to anyone that is looking for help. Thank you sincerely again Josh, you have been amazing!READ MOREREAD LESSKS
- Highly recommend.. Great customer services. Will definitely use Strategic 360 Finance again..READ MOREREAD LESSAndyI have no hesitation in recommending Sam and the team at Southwest Lending Solutions, my personal business dealings have been effortless and stress free. It is clear that Sam is passionate about finance and his expertise shows within his actions.READ MOREREAD LESSHamish QuirkJosh 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 Keeton
- SWLS provided exceptional, personalised service to help us achieve our financial needs. Good 'ol fashioned' customer focus and communication that has long been abandoned by the big banks!READ MOREREAD LESSSteveJosh was absolutely amazing to deal with. He had answers for all of our questions, and gave us the best possible outcome. Cheers mateREAD MOREREAD LESSChris KovacsGreat service, very professional and made things very easy.READ MOREREAD LESSGeorge Daoud
- Professional, Reliable and Refreshing! Josh was an absolute pleasure to do business with. He would always go above and beyond to ensure our needs were met, answered any questions in a timely manner and would think outside the box to exhaust every opportunity in order to meet our requests. I would highly recommend Josh to anyone that needs financial advice, and we will continue to use his services for any future business. Thanks Josh for your professionalism, personalised service, and being all-round top bloke!READ MOREREAD LESSRebecca JennerBest in the business We have had quite a bit of experience with brokers across the years and properties, Josh was nothing short of professional, measured and up-to-date with his approach. Always available and diligent with strategy options, tailored to our plans.READ MOREREAD LESSLiam TurnbullWe 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 Woodhouse is an excellent broker. Answered all questions in a timely manner, kept me up to date throughout the whole process and always had my best interest at heart. Would highly recommend to anyone!READ MOREREAD LESSL BrowningIn a word ... Brilliant! We could not have asked for a better service from Strategic 360. Our account manager, Josh , gave us nothing but confidence in putting our financial future in his hands, he really did go above and beyond! Thanks for all your hard work Josh!READ MOREREAD LESSNicole AttardJosh was very good to deal with and made the process simple. I highly recommend Josh and the S3F Group.READ MOREREAD LESSMeg S
- We have had the absolute pleasure of having Josh Woodhouse help us from the very beginning of our home buying journey and could not be happier! Josh took the time to make sure we understood each step of the process and was diligent in making sure we were able to make the best choice for us. Could not recommend his services more and will hopefully be able to have his help again in the future!READ MOREREAD LESSNikki FitzroySpecial 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 ScottFrom 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 Law
- This 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 ProdromidisJosh came to us on recommendation and we are so thankful. We were a new business owner wanting to secure a home loan in a short space of time. Josh guided us through the process efficiently and smoothly, ensuring he gave accurate time frames along the way. He was always responsive, and explained everything in a way that was comprehensive but easy to understand. We would recommend him to anyone who will listen.READ MOREREAD LESSDarcy NettletonI 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 Zammit
- Amazing Guy - Thanks Josh
Was referred to Josh by my business partner. He's been absolutely fantastic from the very first phone call. Always available and always keeping you in touch with what's going on. Josh went above and beyond to secure my loan, always presenting best case scenarios and options. Will always look to Josh first before taking out another home loan.READ MOREREAD LESSRasigan MoodleyMy Wife and I recently purchased our first home with Strategic 360 Finance...If I could give these guys more then 5 stars I would, Scott Woodhouse and his team made the entire process seamless and in my opinion are with out a doubt the best brokers in the business. I mentioned before this was the first time buying a home, my wife and I were very green going into this process and on top of that a bit nervous as well. Scott made everything transparent and we lost that nervous feeling very quickly...we also got the best education on the money lending and home purchasing process. The one thing that really stands out is that Scott made sure we weren't over spending and we were making health financial choices whilst getting what we wanted and still having money to live comfortably day to day. These guys are the best in their industry and that is simply the truth. i'm really happy we found these guys and look forward to working with Scott and the rest of the guys in the future.READ MOREREAD LESSScottJosh has been incredibly flexible and helpful from the start. Even when our circumstances changed and things were delayed, Josh was understanding and helped us to pivot to find something that worked best for our circumstances. I would not hesitate to recommend Josh to anyone looking for a broker.READ MOREREAD LESSGrace Le - Fantastic 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 yelvoExceptional 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 GAs first home buyers in our early 20s with absolutely no experience, we were really keen to buy our first home together but had no idea where to start. Josh Woodhouse was an absolute lifesaver! He guided us every step of the way, providing invaluable advice and support. From explaining complex financial terms to helping us understand the intricacies of the mortgage application process, Josh was there every step of the way. Josh is extremely professional, experienced, and super knowledgeable. He was always available to chat or organize meetings whenever we had questions, which really relieved a lot of stress during the process. What sets Josh apart is that he goes above and beyond to tailor his services to exactly what we require, and no task was too difficult. He took the time to understand our specific financial situation and goals, ensuring that we found the perfect mortgage to suit our needs. We are truly grateful for his dedication and professionalism. Josh consistently checks in to ensure everything is going smoothly, even after the loan was approved. We highly recommend Josh to anyone looking for an amazing mortgage broker, especially if you're a first home buyer. Thanks to him, we achieved our dream of owning a home, and we couldn't have done it without his expertise and support!READ MOREREAD LESSTara Giersch
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.