Finance made easy,
with experts you can trust.
S3F Group Finance brings together more than 100 years of combined banking, lending and business expertise, formed through the merger of respected finance businesses including Healthy Lending, RTF Finance and Consulate Finance.
We specialise in home loans and industries where expertise truly matters such as:
- Medical & Healthcare - pharmacy, optometry, allied health
- Childcare - centres, operators, investors
- Hospitality - clubs, pubs, licensed venues - centres, operators, investors
- Transport & Logistics - backed by 30+ years of industry experience
With deep industry knowledge and a personalised approach, we structure smarter, more effective lending solutions tailored to your goals.
The S3F Group are your finance partners, guiding you with clarity, confidence and genuine care.
Our directors and senior team bring together decades of hands on finance experience, extensive business‑to‑business management expertise and a practical understanding of how industries operate.
This depth of knowledge means we help you make informed financial decisions backed by real experience.
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
From your first conversation to settlement and beyond we’re with you every step of the way.
We simplify the process, explain your options clearly and ensure every detail is handled with care. Whether you’re securing your first home, expanding your business or financing specialised industry assets, you’ll always know exactly where you stand.

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.
S3F Group helps clients across Australia secure the right finance with clarity and confidence. Our team delivers tailored lending solutions backed by real experience and long‑term support.
Our team of finance professionals provides a wide range of lending solutions tailored to your personal or business needs, including:
- Home & Investment Lending
- Refinancing
- Business Loans
- Commercial & Equipment Finance
- Specialist Industry Finance
- SMSF Lending
- Insurance Premium Funding
Our Goal – To be the finance partner you can rely on delivering exceptional service, clear guidance and ongoing support long after your first transaction.
At S3F Group Finance, you’re not just securing a loan, you’re gaining a long term partner who understands your industry, your goals and the path to achieving them.
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
- 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.READ MOREREAD LESSmathijs molHigh 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 🙂READ MOREREAD LESSAaron CorbetFriendly staff, great communication. Thanks for your help and assistance Sam.READ MOREREAD LESSTracey Montesin
- To 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 TerrySam was so good and patient with us, we were so happy with the recommendations made. Would not hesitate in recommending Sam to anyone! If you are looking for great service, knowledge and experience Sam is the best person to work with.READ MOREREAD LESSHoda WelchJosh Woodhouse helped us get into the housing market and secure our first home! He had a vast knowledge of all the options available for us, and helped us secure a loan that suited our needs. He was always patient and understanding, answering all of our questions no matter how small. Josh was excellent through the entire process, and made a very daunting time run incredibly smoothly. We will definitely be coming to Josh for any future loans or finances!READ MOREREAD LESSConnor Ryan
- Absolutely stellar service! Scott was instrumental in securing the finance needed. His expertise and dedication made the process smooth and efficient. I highly recommend them to anyone in need of financial assistance.READ MOREREAD LESSRami DoughanAlways 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 BourkeCould not recommend Sam enough! He was extremely helpful with every step of the loan process and would respond to any phone calls or emails that same day. His service was brilliant- we couldn’t be happier. Thanks again Sam.READ MOREREAD LESSJaymie Wild
- 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 CobbBrilliant 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 SmithThis 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 Martin
- 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 KellyI 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 ChantI 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 K
- Josh was a series of pleasant surprises. We never imagined to have a warm-hearted, caring and kind mortgage broker! Josh truly loves and enjoys being the driving force for first-time buyers to get their own home. Every interaction with Josh is very warm, positive and motivating. Our search went longer than expected for several reasons. Josh has been standing by our side supporting us. He would always come back with really smart answers with our odd questions during the whole time. We cannot thank enough to Josh for making it happen, giving us up to speed, supporting us during the very long search where we nearly gave up, giving us really good advices around the settlement and following up after the settlement and the first loan payment! He is not only very good with what he does with his thoroughness and never-give-up spirit but also has the heart of gold and huge patience. Josh is very, very special. Thank you so much once again for all you have done for us. Josh went far beyond and he did the same to my husband's colleague and his mate. Absolutely talented…READ MOREREAD LESSNaoko IwakiPurchasing my new property has been simplified by Josh from S3F. Josh was always efficient and helpful during this process. I have previously dealt with S3F for a business loan and my recent experience was as seamless and professional as the last. I recommend S3F Group highly.READ MOREREAD LESSAllison O'DriscollThis 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 Prodromidis
- 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.READ MOREREAD LESSMatthew MckendryJosh 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 CantoGreat service, very professional and made things very easy.READ MOREREAD LESSGeorge Daoud
- 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 CollumGreat support all the way! Constantly following up everything & searching for every avenue to make a positive outcome happen. Thanks Scott for helping us through the toughest settlement ever!READ MOREREAD LESSHabib TurkWe used Josh as our mortgage broker for our new property purchase. Our situation was a bit complicated as my husband is self-employed, but Josh was happy to engage with us and take the time to provide expert advice several months before we were even looking to buy, as we prepared to get all our ducks lined up ready to go for the purchase. Once we were ready to buy, Josh gave us some excellent advice on how to structure our loan to maximise benefits from offset accounts while also negotiating with lenders to get us the best interest rate possible. Josh's responsiveness and willingness to help at any time of day was something that we really valued and ultimately enabled us to swiftly close a deal on our property and ensured our finance was all ready to go by settlement date without any hiccups. It was such a smooth and easy process, I would highly recommend Josh to anyone looking for a mortgage broker, especially if you are self-employed!READ MOREREAD LESSAmelia M
- I 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 LESSjoeFrom 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 LawJosh 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 Hayward
- Couldn’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 DI 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 QuirkJosh 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
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.