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
- Excellent Service. I've contacted Josh thanks to a recommendation of a friend. Josh helped with refinancing my two existing mortgages and securing another one to purchase an investment property. He found a cheaper and more affordable product for me. Needless to say, I will own my home sooner. Communication with Josh was always prompt and clear. The process of re-financing and purchasing a new property at the same time was truly a stress-free experience. Thank you very much Josh, and till next timeREAD MOREREAD LESSRenata GielisWe 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 PrattCouldn’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.READ MOREREAD LESSG D
- Josh was very helpful! We were referred to Josh by a friend and were not disappointed. We weren't even sure we could get a home loan, but Josh worked wonders and we were able to buy our first home. I've heard applying for a home loan and going through with a house purchase can be hectic and stressful, but Josh made it a relatively stress-free experience for us. We'll be back when ready for our next purchase!READ MOREREAD LESSDebbie KellyWe had Josh recommended by a friend. His service was excellent and had a really good understanding of our circumstances and which banks would be best to approach for loans. We ended up with approval for the amount we wanted and Josh made sure we got the fixed portion of our loan locked in to a low interest rate before the rate rises - he gave us a few calls to remind us to get all the paperwork sorted. Without Josh we might not have been able to borrow the amount we wanted as quickly as we wanted.READ MOREREAD LESSTodd AspeotisSWLS 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 LESSSteve
- "Thank you for your assistance throughout the loan process Josh, you have made everything so easy for me with at all times throughout communicating with me .
Josh goes out of his way to Exsplain everything in detail he made sure I understood everything and all his advice was in my best interest.
I thank you Josh for responding to my emails with in minutes always!!!
I will certainly recommend your services to anyone I know who needs a mortgage."READ MOREREAD LESSGrazyna DutkowskaI was introduced to Scott through a colleague and I could not recommend him highly enough to anybody. He is professional, reliable, but more importantly approachable and relatable. My wife and I purchased a business together - Scott guided us along the whole process. There were speed bumps along the way however not once did he let that affect him. He was always available when we needed him, even after hours at times. He definitely had our best interest at heart. Will be using his services again.READ MOREREAD LESSJames YooAbsolutely 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 gardner - 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 JennerJosh is an exceptionally helpful, professional, and knowledgeable Broker. He consistently responded promptly to our texts, emails, and calls with genuine enthusiasm. His approachable demeanor made us feel at ease asking questions, and he provided unwavering support throughout our home buying journey. We're grateful for his guidance with the paperwork, ensuring everything ran seamlessly. Highly recommend!"READ MOREREAD LESSFelicity Lee10 out 10. Would finance through Josh anytime! My wife and I secured our home loan through Josh. He is by far the best broker I have worked with. He was with us every every step of the way and was very easy to deal with.READ MOREREAD LESSKevin Lawler
- Great service, very professional and made things very easy.READ MOREREAD LESSGeorge DaoudThis 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 ProdromidisGreat 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
- Great service level, proficient and customer focused. Josh Woodhouse provided great service level helping us get the best financial outcome for our sale, new house purchase and loan requirements meeting all critical deadlines to ensure process was simple and smooth. Great communicator and customer focused. Highly recommend 🙂READ MOREREAD LESSCraig WarrenI 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 QuirkAlways amazing!! Sam has been a massive asset to the development of our property portfolio. He has a deep understanding of the loan structures and borrowing arrangements for so many lenders across all states and always ensures that he finds the best possible options for us. Our last purchase was a complex new build that had multiple Covid delays and at no time did Sam ever complain about having to go through all of the paperwork again and again as we needed to keep extending loans and then reapplying. Thank you Sam for always being cool, calm and able to reassure us that we would get the bets outcome in the end, no matter how difficult the situation appeared at times.READ MOREREAD LESSNeil Bourke
- Josh was wonderfully helpful, and very responsive to all our queries. I couldn't recommend him highly enough.READ MOREREAD LESSKate FlahertyAll 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!READ MOREREAD LESSTom SargeantI'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 McDonald
- Our 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 CollumVery professional and humble.READ MOREREAD LESSJunaid SafdarIn 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 Attard
- Special 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 ScottHighly recommend Josh. Great experience with Josh! Josh is knowledgeable, approachable and very efficient. Easy to deal with, very friendly nature and communication is impressive. Very grateful for Josh assisting us in securing a refinancing loan. Thanks Josh!READ MOREREAD LESSJoanne BaroneJosh 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 Woodhouse was so helpful - could not recommend him enough. Being new to buying our first home and not knowing much about purchasing a property, Josh was so helpful and explained everything so well. Josh was always happy and efficient when answering our millions of questions. He really made this process so seamless and we honestly don't know what we would have done without him. Thanks Josh!!READ MOREREAD LESSAlexandra O'NeilThis 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 MartinAs 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.READ MOREREAD LESSNick Starr
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.