Contact Us


Find out more about how we can assist in securing your financial freedom. Would you like to learn more about your borrowing  capacity for your home,  investment, or business?

We at S3F Group Pty Ltd  are your financial concierge.

Contact us and we’ll guide you through the finance process.


We’d like to hear from you if you have any questions or feedback.

Use the details below to either send us something
in the post, call us or send us an email.

North West Sydney

s3f group pty ltd
suite 14b, 1 maitland place
baulkham hills nsw 2153

Written correspondence can be sent to:

North West Sydney

po box 7444
baulkham hills
bc nsw 2153

Central Coast

po box 7118
toowoon bay
nsw 2261

Airlie Beach

PO box 2122
Qld 4802

How we work

We meet you

We’ll come to your place of business or your home – or your local cafe

How we meet

We will meet you face-to-face or through teleconferencing options.

How we get paid

We get paid by the lender so you don’t pay us.


Q: To fix or not to fix?

A: How many extra repayments are you going to be able to make over the fixed rate term, as you would want to have at least this amount on variable and then fix the balance as most lenders will only allow you to pay an extra $20,000 per year on a fixed product.

Q: What is a residual?

A: A residual is a balance at the end of the finance term that needs to be paid. The residual is used if you are going to sell the asset at the end of the term and it will have a value which we match with the residual amount.

By having a residual it reduces your monthly repayments.

Q: Does my SMSF loan have redraw like my home loan?

A: No, on a SMSF loan you are not able to redraw any extra repayments you make.

Q: We want to purchase another business, how can we fund it?

A: We can use your existing business and the new business and borrow against both to complete the purchase.

What you can borrow is calculated on the adjusted net profit of both businesses.

Q: I want to purchase a established practice, how much deposit do I need and how long to pay the loan off?

A: We have lenders who will lend you 100% of the purchase price, so all you need to cover is your stamp duty & fees.

To discuss your finance scenario and your options

contact us on (02) 8745 8847 or, or fill in this online form.

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