We 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!

Mortgage & Investment Re-Finance Right from the start, Josh was transparent. His communication with us was always a priority. We were informed every step of the way. He didn't back down, even with a few hurdles. Always looking after our best interests. My wife & I are extremely happy with what Josh has organised for us. I would recommend his service to all that want a professional on their side.

I was looking to buy my first home by the end of this year, and I was referred to Josh Woodhouse by a friend of mine. He has been so helpful since the beginning. I didn't know too much about what was involved when buying a place, and Josh explained it all (and answered all of my many questions). Thank you Josh, you have been a great help! I highly recommend going through S3F and speaking with him. And I can proudly say I now own my first home 🙂

Very professional and knowledgeable . I was a first home buyer and Josh was very knowledgeable and took the time to explain the process. He’s also very professional and there when you need him. Would recommend and use again!

Scott 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!

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.

Sam makes a sometimes complicated process hassle free with his knowledge and professionalism. I have had Sam help me on 2 occaisions now and would, without hesitation, seek his services on any finiancial services I need in the future. You can trust him to get the job done.

Great 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.

Fantastic customer service, a wealth of knowledge and overall great people at SWLS. Without the Help of Sam Zammit- we would not have our first property. South West Lending Solutions also offer other financial services and have great contacts at your disposal. Do yourself a favour- and give Sam Zammit a call!

Best 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.

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.

Excellent 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.

very good service, highly recommended

We had a very positive experience working with Josh to secure our home loan as first home buyers. Josh was very professional and patient, he ensured we knew every step of the process and was fantastic at communicating. Thanks to Josh’s expertise, we were able to secure a loan and purchase our very first home. We highly recommend Josh to anyone looking for a broker!

Scott, Josh, Linda and the team are absolutely fantastic. They provide excellent 11 out of 10 service and always go out of their way to assist. We have been dealing with S3F for a few years now and they are always available to take our call or provide input to our financing needs. Anyone considering using these guys, you will not find better anywhere else.

High anxiety gets relieved by helpful broker. Could not have made the process easier, we asked, we got the info, we chose, we got approval, we got our dream house! Thank you so much for handling everything! We could not have asked for a better broker 🙂

I’ve had the pleasure of working with Josh for close to a year now. As it was the first purchase for me and my wife, we were very conservative with our approach. But Josh was patient with us and in the end got us a good deal that we’re happy with. Would not hesitate to recommend him.

Josh was incredible to work with in securing our mortgage! He was very helpful and patient and I would recommend him to anyone. He helped us work through many different options and thanks to Josh we settled on our home.

It’s been an amazing experience working with Mr Scott Woodhouse!He’d been guiding us throughout the process and helped us keep our calm!Highly recommend Scott!

Big shout out to Scott and his team. I have now used S3F's financial services for 3 businesses, 1 mortgage (home) and 1 commercial asset loan and each time has been a very thoroughly done deal by Scott and Linda. Each loan was complex however, with his knowledge and expertise, Scott broke it down and made it much simpler for us. As always, rates obtained were very competitive and we can't thank him enough with his negotiation skills. I strongly suggest anyone who is thinking of going up against lenders themselves to consider reaching out to Scott and his team first, as they will make this process so much easier and save you much more in the long run. To Scott and Linda, thank you so very much to the both of you for assisting me with all of my acquisitions.

Josh 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.

I had an outstanding experience working with Scott throughout the entire loan process. From the very beginning, he provided clear guidance, honest advice, and exceptional support. He helped secure me a great deal and made what could have been a stressful process feel smooth and straightforward.Scott's communication and follow ups were excellent, he always keeping me informed, answering questions promptly, and ensuring everything stayed on track. A special thanks to Scotts team member Linda, who was incredibly professional, and supportive throughout the process.I truly appreciate the dedication and personal attention from both of them. I highly recommend their services to anyone looking for a reliable and knowledgeable advisor who genuinely cares about achieving the best outcome for their clients. Thank you, Scott

We've had the pleasure of utilising Josh's services for the past 18 months as we worked toward purchasing our home. We cannot recommend him highly enough - with clear communication and direct answers to some of our curly questions. We've today settled on our purchase and could not be happier! The whole process was made 100 times easier with Josh's help and we are so very thankful. 100 / 100 stars to Josh! - E & K Lawler

It was such a good experience buying a house using Sam's systems and wealth of knowledge. Will definitely use these guys again if we ever buy our next place.

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.

Josh 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.

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!

Exceptional 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!

As Joe Esposito would say - “you’re the best around” Josh is 10/10. Communicates quickly and accurately, and will generally get you updates before you even think to ask for them. Can’t beat him.

All class! Would fully recommend Josh Woodhouse as a mortgage broker to anyone I know. His communication and expertise were top notch and he made the process of getting a mortgage a breeze. Josh was also very approachable which was important for me seeing as it's the first time I'd got a mortgage. Fully recommend to anyone looking for a broker!