The S3F Group Pty Ltd is a boutique Finance Brokerage covering Sydney Metro and regional NSW

Our team of Finance Professionals have over 50 years combined experience in all facets of Banking & Finance. S3F Group Pty Ltd offers a suite of products and services to provide our clients with a complete 360o finance solution; that is tailor made based on their individual needs.

Our mantra is simple. Being the trusted advisor to our clients; Provide exceptional, superior customer service and provide ongoing advice & solutions and service beyond your first transaction.

Sam 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.

Hoda Welch

Sam Zammit

Sam is focused on providing tailor made solutions that meet the individual needs of his clients.

He has a wealth of experience in Banking & Finance; having spent over 27 years in various credit and management roles with several Bank’s including one of the big 4 Bank’s.

Sam launched South West Lending Solutions in 2015 after seeing a big gap in what he could offer his clients working for a traditional lender. The business revolved around providing his clients with a wholistic range of products and services under one portal. South West Lending Solutions were finalists in the Liverpool Local Business Awards in 2017 and 2018.

Sam is able to assist his clients with residential and commercial finance, SMSF lending, Vehicle and equipment finance as well as risk insurance.

Sam is a qualified Finance professional and holds a Certificate IV and a Diploma in Finance & Mortgage Broking Management.

Contact Sam on

Phone: 0414 727 308

Sam Zammit is a credit representative (470949) of QED Credit Services Pty Ltd ACN 147 272 295 T/As Pursuit Broker Services (Australian Credit Licence 387856).

Josh is honest, dependable and responsive.

Throughout the process he showed exceptional professionalism. Josh kept me informed of every step along the way, ensuring all my questions had answers. He was approachable and was excellent at relaying information.

I was extremely satisfied of the service Josh provided, I would have no hesitation of using or recommending Josh in the future.

Daniel Toms

Josh Woodhouse

Josh brings an extremely authentic approach to lending and always strives to exceed expectations, he is passionate about finding a solution to complex lending scenarios that others have been unable to assist with.

Josh has spent the last 5 years working as a finance broker, in this time he has built a wealth of knowledge and is armed with the experience to find a solution to any scenario.

Josh’s goal is to be the most passionately referred finance broker in Sydney, to be well known for satisfying his clients needs and objectives and ultimately helping them prosper personally and professionally.

Josh has completed the following courses:

  • Certificate IV in Finance and Mortgage Broking
  • Diploma of Finance and Mortgage Broking Management
  • Bachelor of Business and Commerce (Applied Finance)


Contact Josh on

Phone: 0449 842 414

Josh Woodhouse is a credit representative (485439) of QED Credit Services Pty Ltd ACN 147 272 295 T/As Pursuit Broker Services (Australian Credit Licence 387856).

My long term relationship with Scott has seen us work through many difficult and varied financial challenges.

From Pharmacy purchases, refinances through to equipment finance, I have always thought he has put in extra effort and gone the extra mile to find the best solutions.

His last brief was to make the process as effortless for me as possible! Not an easy task but I was very happy with the result.

Congratulations Scott.

Jocelyn Bussing

Scott Woodhouse

Scott is passionate about helping his clients achieve their dreams by providing solutions to their needs.

He has over 34 years of finance experience including residential, commercial and pharmacy & optometry finance. This strong and varied finance background continues to assist him to not only meet his client’s needs but exceed their expectations.  Scott launched Healthy Lending in July 2004, prior to this Scott worked for two of Australia’s leading banks. This past experience has been instrumental in helping his clients continue to build their financial growth whether it be home owners, investors or small and medium businesses.

Scott specialises as a pharmacy finance broker. He has been working with many of his pharmacy clients for over 20 years. His passion for the pharmacy industry came from being one of Westpac’s pharmacy specialists. His last position over a seven year period, was of a Pharmacy Specialist Relationship Manager where he received management accolades for his continued achievements and pharmacy industry knowledge.

During 2012, 2013, 2014, 2016 and 2017 Scott was invited to be a tutor on finance for 4th year pharmacy students at Sydney University.  It was a great experience to be able to provide information and knowledge to these students.

Through his continued zeal for personal improvement and further knowledge, Scott has continued his own development through continued education and training.

Scott has completed the following courses:

  • Certificate in Financial Markets
  • Diploma in Financial Markets
  • Certificate IV in Financial Services (Finance and Mortgage Broking)
  • Diploma of Financial Services (Finance and Mortgage Broking Management)

Scott was awarded the PLAN Australia Top Commercial Writer NSW award twice in the last ten years. As your trusted finance specialist Scott is here to guide you towards your finance goals.


Contact Scott on

Phone: 0433 183 286

Scott Woodhouse is a credit representative (398831) of QED Credit Services Pty Ltd ACN 147 272 295 T/As Pursuit Broker Services (Australian Credit Licence 387856).

Daryl Crooks

Daryl is a tenacious solution focused professional, listening to his clients to achieve a lending structure that meets their goals.

With over 25 years working in conjunction with Businesses on growth, systems and processes he understand the need for Capital for a business to grow to the next level. 16 of those years have been spent in the finance industry along with a background in business sales Daryl has a wealth of experience to draw upon to meet all your financial needs both personal & business.

Daryl has a passion for business and asset finance and believes the right financial structures are as important for your business as in your personal finance to achieve all your financial goals.

He believes his persistence and drive is what sets him apart from his peers in the finance industry.

Daryl is a qualified Finance professional and holds a Certificate IV and a Diploma in Finance & Mortgage Broking Management. Commercial BDM OF THE YEAR 2014 -2016

Contact Daryl on

Phone: 0423 833 471

Daryl Crooks is a credit representative (507312) of QED Credit Services Pty Ltd ACN 147 272 295 T/As Pursuit Broker Services (Australian Credit Licence 387856).

Alan Hicking

Alan joined us in February 1999 after a 10 year career with AGC & some years prior with the Commonwealth Bank.

He is responsible for the day to day running of the office and the efficient processing of credit applications.

Alan’s expertise lies in not only understanding the client’s business and getting the best priced, best deal for them but also understanding the lender’s criteria. He also has an excellent understanding on the GST implications of financing.

Alan has also attained 3 years qualifications in accounting and has a Diploma of Financial Services (Finance/Mortgage Broking Management).

Contact Alan on

Phone: 0409 604 116

Alan Hicking is a Credit Representative (400536) of QED Credit Services Pty Ltd ACN 147 272 295 T/As Pursuit Broker Services (Australian Credit Licence 387856), Diploma of Financial Services (Finance/Mortgage Broking) FNS50504, Member of Commercial Asset Finance Brokers Association of Australia Ltd (CAFBA) Membership No. 9802

Anita Ramondetta

Anita began working with us in February 2011. Prior to this she worked in a finance brokerage for 11 years in a similar role.

Anita is our receptionist and also processes the finance transactions from approval to settlement. Her efficiency and knowledge enables us to complete in-house documentation for 8 major lenders.

Contact Anita on

Phone: 02 8745 8847

Genna Johns

Genna joined S3F Group Pty Ltd in November 2020. In her role as a Loan Processor, she exceeds her expectation of efficiency, proficiency and has great attention to detail.

In her previous role, she worked closely with clients to help achieve their major goals both in short-term and long-term periods. This experience is extremely valuable to her current role as she excels at building rapport and trusting relationships with both internal and external clients.

Genna is currently studying her Certificate IV in Mortgage Broking and Finance.

Contact Genna on

Phone: 02 8745 8847