Also part of the S3F Group

Consulate Finance
Healthy Lending - Healthier Finance Options
RTF Financial Services - Road & Transport Finance

Welcome to the S3F Group

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.

We can assist you with everything for your first home purchase from start to finish guiding you through every part of the process.

Home Loans
Home Loans

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.

Car Loans
Car Loans

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.

Medical Industry Loans
Medical Industry Loans

Are you a doctor, dentist, pharmacist, optometrist, physiotherapist, chiropractor, podiatrist, veterinarian looking to purchase either new premises, new business or practice or complete a fit-out or in need of new equipment, we can help you arrange any of these around your cash flow.

Professional Services Loans
Professional Services Loans

We also specialise in professional services such as accountants, financial planners and law partnerships as well as real-estate businesses.

Emergency and Education Worker Loans
Emergency & Education Worker Loans

We are also industry specialists for emergency services such as police, fire brigade, paramedics and nurses as well as teachers.

What our clients have to say

Josh and his team were very professional. He guided us from start to finish, making the purchase of our home a stress free experience. Josh was able to engage the banks on our behalf to get some of the tough questions answered and an excellent outcome.

thumb Raymond Huynh

As first home buyers, Josh was always quick to respond to questions we had. He made the process of getting a loan quick and easy, keeping us in the loop the entire time. I would recommend Josh to anyone looking to take out a home loan.

thumb Rohan Scanes

I'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.

thumb Pete McDonald

Josh @ 360 did an incredible job with the refinance of my loan after a seperation. He took into consideration the circumstances, went above and beyond when it came to sourcing and facilitating options and approvals, and followed up when required. Even with challenges driven from my end cause major issues with timing and approval periods, Josh did not once take the easy road to prematurely finalise the agreement, striving to ensure the best outcome was gained. As a result, he has saved me thousands in interest, provided a great level of insight for the future; and I will not hesitate to use him again / recommend to every that asks me about this subject.

thumb woody mackay

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.

thumb Irina Ouzlova

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.

thumb G D

I highly recommend Scott Woodhouse for pharmacy lending. Scott is an expert in his field, was very professional but also down to earth. During the lending process, I had many questions, uncertainties and doubts but Scott was able to clear any confusions using his vast knowledge and experience. He could already see the ending as soon as it began, and for a first-time pharmacy purchaser, this was a highly valuable service and asset to have. Thank you Scott and the S3F team!

thumb Victor Vo

Great support all the way! Constantly following up everything & searching for every avenue to make a positive outcome happen. Thanks Scott for helping us through the toughest settlement ever!

thumb Habib Turk

Our Mission Statement

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

We'll help find the right home loan for you

We help you compare hundreds of home loans from more than 30 lenders.

With the S3F Group, each application is tailored to our clients specific needs.

We value our clients and their needs. You aren’t just a number to us.

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.

Some of our services include

Home & Investment Loans (refinances too)

Every lender has a certain policy along with its own strength and weakness. We use our knowledge & experience to make getting a home or investment loan easier & less stressful for you.


Vehicle & 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?

Commercial Lending

If you are a business owner 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.

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 still interested in lending to Self Managed Super Funds despite a number of the majors withdrawing from this lending space.

Contact us and let's find the right finance option for you!

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