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.

We 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.

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.

Pleasure to deal with, understood our needs, excellent communication. I'd never used a broker before, so I have no idea what to expect, however Josh was easy going and made the process super easy for us. He was always on the ball, constantly communicating with us, he was understanding of our financial situation, he was very level headed about the process and how much we should try and spend. He managed to get us a loan that met our budget, and we were able to afford our dream home. I'll definitely be recommending him to my friends and family.

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.

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!

Josh came to us on recommendation and we are so thankful. We were a new business owner wanting to secure a home loan in a short space of time. Josh guided us through the process efficiently and smoothly, ensuring he gave accurate time frames along the way. He was always responsive, and explained everything in a way that was comprehensive but easy to understand. We would recommend him to anyone who will listen.

We've always had wonderful service from Scott Woodhouse. Nothing seems to be a problem, and he has always been prompt in responding to my many enquiries, Scott has pointed me in the right direction regarding loans for my business as well as for our home. I have no hesitation in recommending Scott and Josh to other friends or family. Katerina and Bruce Novarina. Fairy Meadow NSW

We 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.

"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."

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!

Genna from S3F Group was honestly awesome to deal with. She made the whole process so much easier than I expected and was always there to answer any questions (no matter how small).She explained everything in a way that actually made sense and kept me in the loop the whole time, which I really appreciated. You can tell she genuinely cares about getting the best outcome and not just rushing things through.Super easy to deal with, friendly, and just really good at what she does. I’d definitely recommend Genna to anyone looking for a mortgage broker

I have known Sam for over 2 years and I HIGHLY recommend and have recommended to friends that have gone with his services! Thank you so much for your support!

I highly recommended the mortgage broker Genna Johns from S3F Group because she provided lots of great advice, guidances, suggestions, and she was always able to answer the questions so well. I had to ask her many questions or double-checking with her sometimes just to make sure I understand everything I must know when looking for a place, when applying for a loan, when doing the inspections, when communicating with the real estate agents/conveyancers/solicitors, and so on. Genna also have supported my hearing disability and I could not listen well over the phone calls, she made sure the lender, the solicitors/conveyancers and the real estate agents to communicate with me via email or text or national relay instead. She is also LGBTIQ+ friendly, open-minded, non-judgemental and very kind. I finally got my first home! I am so thankful for her support it means a lot to me 😊

Highly 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.

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!

SWLS helped us consolidate all our debts into one easy payment and taught us how to pay off our home loan faster. We now have a lot more disposable income at the end of each month. Thanks Sam!

Josh 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, QLD

Josh 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.

Sam provided consistent support throughout the entire transaction even after our lender could not fully understand the proposed matter which required and LPO/LTO ruling. It you want an honest, supportive, and truthful broker that looks after your best interest in an ethical way then Sam Zammit of South West lending Solutions is your man.

Excellent 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!

Our experience with S3F has been amazing, without Scott I honest don’t think we would have what we have today! Everything is so professional yet comfortable and Scott worked in round our work and family commitments. We can not thank him enough for what he has helped us achieve in particular the last 6 months

I 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.

Alan 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.

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!

Saving the day. S3F Group was not our first choice for getting finance for refinancing an existing loan, and arranging an investment loan bundle. We started with a different agent who made such a mess with the setting up that we had to split the loans, put one on the back burner, then came back with a ridiculously high interest rate. After a month of stressful conversations with Agent 1 where we nearly lost the purchase. We began a conversation with Josh who took the same list of requirements as Agent 1. And over a two week period delivered on all of them. We rate Josh and recommend him to anyone who is looking for a constructive, stress free and positive financial outcome.

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.

Would highly recommend Josh for your financial services. Very knowledgeable and easy to deal with. Thanks Josh for your service

I can't recommend Josh highly enough. He worked very hard to help us change banks and get a much better mortgage interest rate. He is happy to answer any questions that we had and come out to see us at home to go over all the paper work. Very professional and we will be using him again in the future.

I have known Sam for many years and have had all my home loans done through him. Sam makes the process easy and I am confident he will find me the best loan which suits my financial situation. Sam is available at any time for help and advice. I am looking forward to dealing with him in the future.