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.

Reach Us

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.

PO Box 400 Hoxton Park NSW 2171

South West Sydney

PO Box 7444 Baulkham Hills BC NSW 2153

North West Sydney

PO Box 7118 Toowoon Bay NSW 2261

Central Coast

(02) 8745 8847

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Get In Touch

Visit Us

S3F Group Pty Ltd

Suite 14B, 1 Maitland Place
Baulkham Hills NSW 2153

North West Sydney

S3F Group Pty Ltd Main Office

Suite 14B, 1 Maitland Place
Baulkham Hills NSW 2153


Home & Investment Loans
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.

Motor Vehicle and Asset Finance

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.

Self-Manged Super Funds

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.

Professional Services Lending

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.

Medial & Pharmacy Lending

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.

How We Work

We Meet You Anywhere

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.

What Areas Do We Cover?

S360 Finance - South West Sydney

Sam Zammit

(South West Sydney)

Contact Sam on
Phone: 0414 727 308

Postal Address
PO Box 400
Hoxton Park NSW 2171

S360 Finance - North West Sydney

Scott Woodhouse

(Hills District)

Contact Scott on
Phone: 0433 183 286

Josh Woodhouse

(Hills District)

Contact Josh on
Phone: 0449 842 414

Postal Address
PO Box 6861
Baulkham Hills NSW 2153

S360 Finance - Central Coast

Daryl Crooks

(Central Coast)

Contact Daryl on
Phone: 0423 833 471