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
- 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 and Scott Woodhouse are an amazing duo, their professionalism and easy approach attitude is incredible. Always available to answer difficult or silly questions. Spending the time to ensure you are happy, they give a one on one service that is rare in this day and age. They provide trustworthy and honest advice which builds your confidence in them every step of the way. We highly recommend their service. Josh and Scott will forever be a part of our future financial goals. No matter where you are in Australia, Josh and Scott will make it work for you. Susanne & Anthony Hayward, QLDREAD MOREREAD LESSSusanne HaywardGreat 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
- 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 TURNERIt has been an absolute pleasure dealing with Josh. Everything worked out smoothly and always within the timeframe that Josh advised. He was very helpful, transparent, always reachable and was very patient, even though we had a lot of first time noob queries. Have to mention that he was prompt and proactive to making sure timelines were maintained. I would highly recommend Josh. And yes of course he was got us e very good rates.READ MOREREAD LESSsushovan podderExcellent 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
- Josh 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 BehanSam from Strategic 360 Finance has been beyond helpful to us in securing our first home loan. He was extremely efficient and friendly, and always available. Thank you Sam for all your hard work!READ MOREREAD LESSKayla ReidAlan and Josh were a great help in getting our house refinanced to a lot better rate with a product that suited our needs in a fast and professional manner. We were showed different options with different benefits to each and products from multiple suppliers so we could get the full picture of products on offer. Thanks again guys.READ MOREREAD LESSMelanie & Luke Oppy - This 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 MartinGreat support all the way! Scott will take the pain out of dealing with the detail required by lenders & finding the best deal. Thanks Scott for helping us through the buy out.READ MOREREAD LESSHTHighly recommend.. Great customer services. Will definitely use Strategic 360 Finance again..READ MOREREAD LESSAndy
- Such great service. Always on top of what’s next and kept us in the loop with everything. Answered all our questions clearly and promptlyREAD MOREREAD LESSDavid BlackburnI cannot recommend Josh enough for his exceptional service as a mortgage broker. From the very start, Josh has been incredibly supportive, understanding, and flexible in meeting my needs. He goes above and beyond to tailor his services to exactly what I require, and no task is too difficult for him to handle. I am truly grateful for his dedication and professionalism. Josh consistently checks in to ensure everything is going smoothly, and his follow-up services are unparalleled. His proactive approach and genuine care for his clients make him stand out in the industry. Thank you, Josh, for your outstanding support throughout this process. - Posting on behalf of my Father-In-Law Nigel Letton 2024READ MOREREAD LESSBrea LettonHighly recommend Josh. He was amazing and has high quality service. Josh was our broker for purchasing our first home on the Mid North Coast. Josh was a superstar for us as we navigated our first purchase. He responded to every email promptly, took and returned every phone call and emails regardless of the time or day, even weekends. We couldn't have done this without Josh by our side. 100% recommend Josh to anyone.READ MOREREAD LESSSandie Grant-McDonell
- 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.READ MOREREAD LESSPete McDonaldI 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 ChantJosh 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 Karunarathne
- Great service, very professional and made things very easy.READ MOREREAD LESSGeorge DaoudJosh 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 PickardExceptional service. Josh’s knowledge and expertise is incredible. he was extremely professional and communication was excellent along every step of the way. Josh was always available to answer any questions we had and made our experience stress free.READ MOREREAD LESSLachlan Donnelly
- Absolutely amazing. Josh Woodhouse guided us on our journey to buy it first home. We had a couple brokers before which we weren't super happy with. And when we were recommended to Josh it was a game changer. We really felt like we had someone knowledgeable who wanted to get us the best result he could. He helped talk us through the steps and discussed everything along the way. It took us over a year from the first house we put an offer down to find the house that was right for us and Josh was patient with us that whole time. I also found it really useful using the sites online resources to look at different options and feel like I was prepared. I also think the emails Josh sends out explain what it means when there might be something happening in government that might effect horses or mortgage rates. Can't recommend more highly!READ MOREREAD LESSjasmine gardnerVery professional. Josh helped us at every step of the journey from sorting out our bank loans to the final settlement. He was very professional and contactable the whole time and was always there to help. Overall, it was a very good experience and we highly recommend his services.READ MOREREAD LESSOmar SayahStrategic 360 Finance provided unequalled service and professionalism, in particular my experience with, Josh. He was always readily available and happy to help at anytime, offering the best rates and service. If you're looking for a finance specialist or advice I highly recommend Strategic 360 Finance!READ MOREREAD LESSLuke Jenner
- 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 AllenTo 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 TerryJosh was wonderfully helpful, and very responsive to all our queries. I couldn't recommend him highly enough.READ MOREREAD LESSKate Flaherty
- Absolutely 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 CobbJosh 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 BehanWe have used Sam a couple of times now and would highly recommend him. We are extremely happy with his service and his communication is fantasticREAD MOREREAD LESSSandra Patterson
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.