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 LendingÂ
- 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
- 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 JennerAll 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 SargeantFrom 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 Law
- 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 KellyHome 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 was great to work with and so helpful for us throughout the process.READ MOREREAD LESSAidan Murphy
- 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!READ MOREREAD LESSAndrew MoussaVery happy customers Josh Woodhouse was a brilliant mortgage broker. No question was to silly, he would answer all questions quickly and at any time. We felt so supported the whole way through. Highly recommend him to everyone. As newbies he was able to explain everything very well and left us not feeling overwhelmed during the house buying process. Thank you Josh! Lizz and MattREAD MOREREAD LESSElizabeth McBrideOur 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 monthsREAD MOREREAD LESSAshleigh Munns
- Josh Woodhouse from Strategic 360 Finance is by far the best mortgage broker my wife and I have ever dealt with! After multiple disappointing experiences with some of the largest lending specialists in the country, Josh got the job done! Doing so with ease, excellence, honesty and transparency- Josh exceeded all our expectations with flying colours! Josh's work ethic is a true testament to him. I will ONLY call upon Josh in the future and have highly recommended him to family and friends who agree entirely, he is deserving of the praise. Thank you Josh !READ MOREREAD LESSDaniel KeetonMy Wife and I recently purchased our first home with Strategic 360 Finance...If I could give these guys more then 5 stars I would, Scott Woodhouse and his team made the entire process seamless and in my opinion are with out a doubt the best brokers in the business. I mentioned before this was the first time buying a home, my wife and I were very green going into this process and on top of that a bit nervous as well. Scott made everything transparent and we lost that nervous feeling very quickly...we also got the best education on the money lending and home purchasing process. The one thing that really stands out is that Scott made sure we weren't over spending and we were making health financial choices whilst getting what we wanted and still having money to live comfortably day to day. These guys are the best in their industry and that is simply the truth. i'm really happy we found these guys and look forward to working with Scott and the rest of the guys in the future.READ MOREREAD LESSScottWithout hesitation, we couldn’t recommend Josh more highly! Thanks to his deep market knowledge and superior professionalism, Josh guided us through a surreal milestone and life-changing first-home purchase. He was ever present on a long and unique journey, always adapting and pivoting as the circumstances evolved. Josh continually offered clear communication, calm guidance, and expert advice in a personable and friendly manner. We’d gladly work with Josh again in the future.READ MOREREAD LESSTom Rae
- 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.READ MOREREAD LESSLiam TurnbullJosh was very professional and knowledgeable. His correspondence with us was always prompt and he is very driven to obtain the best outcome for his clients. I can highly recommend Josh after my experience with him!READ MOREREAD LESSAmanda Burtonvery good service, highly recommendedREAD MOREREAD LESSEasy Script Dispensary
- 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.READ MOREREAD LESSSarah ChantI 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, ScottREAD MOREREAD LESSSunila DumpalaJosh was so helpful and knowledgeable and made the whole process easy. He was always available, friendly and professional and kept us informed on the progress of the loan every step of the way, right up to settlement. I would definitely recommend Josh to get you the best loan and to take the stress out of the lending process. Thanks Josh!READ MOREREAD LESSJane Thomson
- Josh from S3F Group is a very professional individual. Incredibly prompt and precise. We are very happy with the way our home loan was arranged.READ MOREREAD LESSSipsIt has been an absolute pleasure dealing with Josh. Everything worked out smoothly and always within the timeframe that Josh advised. He was very helpful, transparent, always reachable and was very patient, even though we had a lot of first time noob queries. Have to mention that he was prompt and proactive to making sure timelines were maintained. I would highly recommend Josh. And yes of course he was got us e very good rates.READ MOREREAD LESSsushovan podderJosh 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.READ MOREREAD LESSRaymond Huynh
- "Thank you for your assistance throughout the loan process .
Josh has made everything so easy for me .
He 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."
GrazynaREAD MOREREAD LESSGraceJosh 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 CantoA 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 Arora - Very professional and humble.READ MOREREAD LESSJunaid Safdar10 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 LawlerSam helped me out in tuff times, he was able to take my situation into account and worked out my new home loan to my needs. Sam was able to increase the amount I borrowed and reduced my monthly payments. I will always go back to Sam for his great service and expertise. thank you again.READ MOREREAD LESSMark Zammit
- Josh 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 BehanThis 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 ProdromidisI 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
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.