We are here from start to finish guiding you through every part of the process.
S3F group is the result of a merger of several businesses most notably Healthy Lending, RTF Finance, and Consulate Finance.
We cater for specialist niches in the medico industry, including pharmacy and optometry. We are also specialists in childcare as well as the hospitality industry; particularly clubs and pubs.
This combined with over 30 years experience in the transport industry and over 100 years of combined finance experience; the S3F group can cater for all your financial needs.
The S3F Group are your financial concierge. We can assist you with structuring a financial solution that meets your individual personal or business requirements
With over 56 years experience in finance between the directors we bring a broad range of experiences and a practical approach to finance. Plus a further 37 years in business to Business Management and consulting
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
We can assist you with everything for your finance requirements from start to finish guiding you through every part of the process.
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.
The S3F Group are a group of experienced Finance professionals who have come together to create a holistic end to end finance solution for all your personal and business finance needs.
THE S3F GROUP IS A BOUTIQUE FINANCE BROKERAGE WITH OFFICES IN SOUTH WEST SYDNEY, THE HILLS DISTRICT AND THE CENTRAL COAST.
Our team of Finance Professionals have over 50 years combined experience in all facets of Banking & Finance.
The S3F Group offers a suite of products and services to provide our clients a complete 360 degree finance solution;
tailor made based on their individual needs.
Our mantra is simple:
Become the trusted advisor to our clients;
Provide exceptional, superior customer service and provide ongoing advice and service beyond your first transaction.
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
- My partner and I were recommended to Josh Woodhouse to help assist and guide us in the process of attaining a mortgage. Josh was extremely helpful and professional throughout the entire process. As first time buyers, we had very little knowledge but Josh assisted in every step of the process ensuring we had a smooth experience. Josh was highly responsive to questions and all messages and continued to go above and beyond. We couldn't thank Josh enough for all his work and helping us secure our first home! 🙂READ MOREREAD LESSTayla MooreWe can’t thank Josh enough for all his support during our home loan process. We had a long journey to securing our mortgage and Josh was incredibly patient, answering ALL of our questions and prioritising us making the right decision. This was our first home purchase and Josh was brilliant, he is extremely knowledgeable and walked us through every step, making sure we understood and were comfortable with the decision. We highly recommend Josh and will not hesitate to work with him in the future!READ MOREREAD LESSStuart BaneAlan and Josh were a great help in getting our house refinanced to a lot better rate with a product that suited our needs in a fast and professional manner. We were showed different options with different benefits to each and products from multiple suppliers so we could get the full picture of products on offer. Thanks again guys.READ MOREREAD LESSMelanie & Luke Oppy
- Sam provided consistent support throughout the entire transaction even after our lender could not fully understand the proposed matter which required and LPO/LTO ruling. It you want an honest, supportive, and truthful broker that looks after your best interest in an ethical way then Sam Zammit of South West lending Solutions is your man.READ MOREREAD LESSgn epThe team at Strategic 360 Finance are fantastic to work with. They're very knowledgeable, friendly and offer a diverse range of expertise within their team. Have seen them provide outstanding results time and time again! Strongly recommend them.READ MOREREAD LESSEmma AllenSam 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 Welch
- Always keep us in the loop and answered all questions promptlyREAD MOREREAD LESSRobert WalkerJosh 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 KeetonI highly recommend Josh Woodhouse from SF3 Finance. He has assisted me with getting a mortgage loan approved very quickly which helped me to secure a purchase of my house. Practical, fast and responsive.READ MOREREAD LESSIrina Ouzlova
- Could not recommend Sam enough to anyone! Being new to buying our first home and not knowing much about purchasing a property, Sam was amazing and very helpful at explaining everything step by step, not to mention whenever we had a question he would get back to us very quickly, even if this meant on a weekend or late at night. I would highly highly recommend Sam to anyone!! We would not have been able to purchase our property without him!READ MOREREAD LESSDJosh 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 HuynhI have known Sam for over 2 years and I HIGHLY recommend and have recommended to friends that have gone with his services! Thank you so much for your support!READ MOREREAD LESSAlexander Tsekouras
- Sam from Strategic 360 Finance has been beyond helpful to us in securing our first home loan. He was extremely efficient and friendly, and always available. Thank you Sam for all your hard work!READ MOREREAD LESSKayla ReidI 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 ChantSam is an incredible broker who goes above and beyond to ensure you have all the information and make the best choices for you in a professional and friendly manner! Highly recommend SamREAD MOREREAD LESSJessica Hebb
- Mortgage & Investment Re-Finance Right from the start, Josh was transparent. His communication with us was always a priority. We were informed every step of the way. He didn't back down, even with a few hurdles. Always looking after our best interests. My wife & I are extremely happy with what Josh has organised for us. I would recommend his service to all that want a professional on their side.READ MOREREAD LESSGuy TassellAwesome Broker, Professional, Genuine and Reliable, Highly Recommended to help you with your financial needs.READ MOREREAD LESSNeil ManuelJosh 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
- 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 JennerI can't recommend Josh highly enough. He worked very hard to help us change banks and get a much better mortgage interest rate. He is happy to answer any questions that we had and come out to see us at home to go over all the paper work. Very professional and we will be using him again in the future.READ MOREREAD LESSTara WardSWLS helped us consolidate all our debts into one easy payment and taught us how to pay off our home loan faster. We now have a lot more disposable income at the end of each month. Thanks Sam!READ MOREREAD LESSPeter Zammit
- It 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 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 CantoJosh was an absolute pleasure to deal and took all the uncertainty of the loan process out of it. Can't thank you enough for making the process easier for us. Would recommend him to anyone.READ MOREREAD LESSBlayne Webb
- Highly recommend Josh. He was amazing and has high quality service. Josh was our broker for purchasing our first home on the Mid North Coast. Josh was a superstar for us as we navigated our first purchase. He responded to every email promptly, took and returned every phone call and emails regardless of the time or day, even weekends. We couldn't have done this without Josh by our side. 100% recommend Josh to anyone.READ MOREREAD LESSSandie Grant-McDonellExceptional service with S3F Group.
Josh Woodhouse went above and beyond to ensure our experience was smooth, pleasant and successful. With his expertise, he made a complex and long process seem like a walk in the park. My partner and I are very grateful for having Josh to guide us and help us in such an important milestone in our lives. We'll definitely seek Josh's advice when buying in the future as we had a very positive experience all across the board.READ MOREREAD LESSElaine Paixao"Thank you for your assistance throughout the loan process Josh, you have made everything so easy for me with at all times throughout communicating with me .
Josh 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."READ MOREREAD LESSGrazyna Dutkowska - 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 TerryJosh 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 HaywardIt 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 mol
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.