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
- 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.READ MOREREAD LESSgreg horneJosh, Scott and the team at Strategic 360 Finance are generous in sharing their knowledge and expertise to get the best outcomes for their clients. Excellent service!READ MOREREAD LESSLove PascualJosh, always supportive and in dead end moments he pulls a rabbit out of his hat. Really pleased had business with you. Thank you.READ MOREREAD LESSFreddie Yeganeh
- Great result. Professional in every way. Josh did an amazing job getting me the loan for the new property. He was efficient and professional with his work. His assessment was accurate and was able to secure an amazing result. He made the whole process easy. I will be asking Josh to help me with any potential future purchases.READ MOREREAD LESSdaniel tranFantastic 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!READ MOREREAD LESSReece GJosh 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.READ MOREREAD LESSnat figg
- From 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 LawI'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 McDonaldExceptional 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 G
- Brilliant experience with Liam at 360 Finance, very impressive & very informative. I was hesitant to speak to 360 finance as I wasn’t sure what they were all about and if they were as good as they made out to be. From this I was greeted over the phone by Liam. Liam was very fast to contact me and made me feel very comfortable throughout the experience. Liam was very patient with me and with the lender. I could not recommend someone more. So happy with my new car & with the process of applying etc. Don’t hesitate to use 360 ! #lifeupgraded #360finance_auREAD MOREREAD LESSAbbie SmithAcquiring finance for our first home was seamless with the help of Josh from Strategic 360 Finance. My partner and I were fortunate enough to purchase our first home working with Josh who ensured all our questions were answered and made the experience so memorable. A few factors in our situation would generally make what we needed quite tricky but with Josh’s knowledge, support and experience the process was seamless. We would recommend Josh to anyone who wants full support and transparency throughout the process of gaining a home loan.READ MOREREAD LESSKieren TurnbullCouldn'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
- Exceptional 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 DonnellyI had an exceptional experience working with Josh Woodhouse as my finance broker. Josh always found a way to make everything work and helped me secure my home loan while working with my business finances to make this happen. He was incredibly responsive, always returning our calls, and reassured both my partner and I throughout the process. His dedication, professionalism, and ability to make things happen were unmatched. I couldn’t recommend him highly enough. If you’re looking for a reliable and knowledgeable broker, Josh is the one!READ MOREREAD LESSjoeJosh is friendly, knowledgeable, reliable and available. Everything you need in a broker and more! Who knew the process of obtaining finance could actually be enjoyable!READ MOREREAD LESSRhiannan Canto
- 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 LESStaylarodgerHome Loan Establishment and Approval. Josh was great to deal with whilst applying for our home loan. This was during a difficult time in September 2022, around the time the cash rate began to increase. Josh was great in keeping us updated and doing everything he could to make it a seamless process. Thanks!READ MOREREAD LESSMitchell PitmanJosh Woodhouse has been so helpful every step of the way with getting our first home, from helping us find a lender to settlement day. As my wife and I are FHB, Josh explained everything very clearly for us and always got back to us quickly for any questions that we had. The work he does shows he really takes care of his clients. It's been such a smooth journey, and we would highly recommend Josh to anyone.READ MOREREAD LESSJeff
- BEST BROKER YOU"LL FIND!! 10 STARS!! Josh was absolutely amazing helping my fiancé and I buy a house! I could not recommend Josh enough! He was very quick to respond and did everything he could to get us a loan with the best rates from the right bank! Could not recommend anyone more! If in doubt, go to Josh!READ MOREREAD LESSClara PellExcellent Customer Service & Timely Advice. I was extremely impressed with the high level of communication & professionalism that Josh operated with. He always went above & beyond to provide the best possible solution & always kept me updated with how everything was progressing. I would not hesitate to recommend Josh & his services!READ MOREREAD LESSMitchellGreat 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 LESSHT
- Highly recommend.. Great customer services. Will definitely use Strategic 360 Finance again..READ MOREREAD LESSAndyI can’t speak highly enough of Scott and the team at S3F.They are incredibly professional, knowledgeable, and genuinely committed to delivering the best outcomes for their clients. What really stands out is their patience and willingness to take the time to guide you through every step, ensuring you feel comfortable and well-informed throughout the entire process.The team is always responsive, approachable, and detail-oriented, making what can often feel like a complex process much more straightforward and manageable. Their support and consistency give you real confidence that you’re in good hands.I would highly recommend Scott and the S3F team to anyone looking for a reliable and supportive finance partnerREAD MOREREAD LESSPeter KJosh Woodhouse was my broker when purchasing a new home recently and he made the stressful process much easier!! He was highly responsive, able to work around my busy schedule and was great at interpreting the finance jargon for me. I have also worked with Alan Hicking in the past when financing several vehicles. S3F group are fantastic!READ MOREREAD LESSMaddison Jeffcott
- A very thorough and professional service, my case was not straight away however; with all issues Josh has handeled it with atmost care and given the best output, Thank you Josh.READ MOREREAD LESSChetna AroraScott and the team at S3F were amazing to deal with and assisted promptly with finance options for our new car couldn't be happier with customer service and smooth process of application to approvalREAD MOREREAD LESSjade tunksJosh 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 Behan
- 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.READ MOREREAD LESSRohan ScanesI 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 LettonJosh has helped us decide on the best option for a home loan. He is such a great person to go this terrifying journey with. Made us feel confident and on the right track from day 1. He constantly updates and assure us on every step. He is honest and genuine. Josh is a dream machine, making our home dreams possible. Thanks for all his help, we are now homeowners!!! Highly recommending him to everyone.READ MOREREAD LESSAvegail Gaddi
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.