Tailored solution for your home loan

Your Future

Your Way

Home Loans

Simplify the journey to owning your dream home with tailored home loan options and competitive interest rates.

Investment Loans

Build your wealth with our flexible and affordable investment loan solutions.

Construction Loans

Build your dream property with customized construction loans designed to cover every stage of development.

Debt Consolidation

Combine your debts into a single, manageable payment plan with lower interest rates.

Commercial Loans

Empower your business with tailored financing solutions to support growth and operational needs.

Asset Finance

Secure financing for essential assets, including equipment, machinery, or technology, to grow your business.

Personal Finance

Flexible personal loans designed to meet your unique financial needs, from education to unexpected expenses.

Vehicle Finance

Drive your dream car with our affordable and convenient vehicle financing options.

Self-managed super fund

Take control of your retirement savings with expert guidance and financing solutions for SMSFs.

About us

Aqua Financial Services provides clients with a flexible mobile service. Whether you’re purchasing your first home, an investment property, refinancing or renovating – the team at Aqua Financial Services can assist you to achieve your financial goals.
We have extensive industry experience and expertise and take pride in being able to offer our clients a simple, straight forward and stress-free experience.

Helpful customer service staff ensure that our clients are fully informed throughout the entire process from application to settlement.

We are available to discuss any queries which may arise during the application process or post-settlement.

Our team of brokers can assist you with lending options from over 40 different financial institutions and will find you the right loan to suit your financial needs.

We take pleasure in knowing that the majority of our business comes from many happy repeat clients and friends and family who they refer.

Aqua Financial Services is directed by Daniel Hustwaite. Daniel is a licensed broker with experience of over 15 years in the industry.

We are proud to be awarded The MPA top 100 listing. The Mortgage Professionals Australia ranked top 100 is based on volume (value) of loans settled within the last 12 months for an individual.

Our Awards

MPA Top 100 Broker of the year
Daniel Hustwaite, 6 years running

MPA Top 10 Brokerages of the year Connective Excellence Awards
Finalist 2 years running – 2018 and 2019

Our Team

Our Lenders

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FAQ

What is a mortgage broker, and what do they do?
A mortgage broker is a licensed professional who acts as a middleman between borrowers and lenders, helping individuals and businesses find the best loan options to suit their needs. They assess your financial situation, compare loan products from various banks and lenders, and guide you through the application process. By leveraging their expertise and network, mortgage brokers simplify complex processes, negotiate better rates, and save you time and effort in securing a suitable loan.
How much should I expect to pay for the services of a mortgage broker?
The cost of a mortgage broker’s services can vary depending on their fee structure and the type of loan you’re applying for. Here are common payment scenarios:
Free to the Borrower: Many mortgage brokers are paid a commission by the lender once your loan is approved, meaning you don’t pay them directly. This is a common arrangement in Australia.
Broker Fees: In some cases, brokers may charge an upfront fee for their services, especially for specialized or complex loans. This fee typically ranges from $500 to $3,000 but can vary.
Additional Costs: Some brokers may charge for extra services, such as financial consultations or credit assessments, but this is less common.
Always confirm a broker’s fees upfront to avoid surprises and ensure transparency.
Why should I use a mortgage broker in Melbourne instead of going directly to a bank?
Using a mortgage broker in Melbourne offers several advantages over going directly to a bank:
Access to Multiple Lenders: Mortgage brokers work with a wide range of banks and lenders, giving you access to a variety of loan products and increasing your chances of finding the best deal.
Tailored Advice: A broker assesses your unique financial situation and recommends loan options that suit your specific needs, whether you’re buying a home, refinancing, or investing.
Time-Saving: Instead of contacting multiple banks and comparing their offers yourself, a broker does the legwork for you, saving time and effort.
Expertise: Mortgage brokers are knowledgeable about the local market in Melbourne and can navigate complex lending requirements to simplify the process for you.
Better Negotiation: Brokers often have established relationships with lenders, which can help you secure more competitive interest rates and terms than if you approached the bank directly.
Support Throughout the Process: From pre-approval to settlement, a broker guides you through every step, handling paperwork and liaising with lenders on your behalf.
By choosing a mortgage broker, you benefit from personalized service, more loan options, and the confidence to make an informed financial decision.
What types of loans can a mortgage broker help me with?
A mortgage broker can assist you with a variety of loan types tailored to your financial needs, including:
Home Loans: From first-time buyer loans to refinancing and investment property loans, brokers can find the best options for purchasing or managing real estate.
Personal Loans: For expenses like travel, education, or unexpected costs, brokers can help secure personal financing with competitive terms.
Commercial Loans: Ideal for businesses looking to expand, purchase property, or fund operations with tailored business loan solutions.
Construction Loans: For those building or renovating a property, brokers can assist in securing loans designed to cover every stage of construction.
Debt Consolidation Loans: Simplify your finances by combining multiple debts into one manageable payment with potentially lower interest rates.
Vehicle Finance: Brokers can help you finance a new or used car with flexible loan terms and affordable rates.
Asset Finance: For business equipment, machinery, or technology purchases, brokers can find suitable asset financing options.
Self-Managed Super Fund (SMSF) Loans: For investors using their superannuation to purchase property or other assets, brokers provide guidance and specialized loans.
By working with a broker, you can explore loan options suited to your goals and financial circumstances.
How long does the mortgage application process typically take with a broker?
The mortgage application process with a broker typically takes 4 to 6 weeks, though this can vary depending on individual circumstances and the complexity of your application. Here’s a general timeline:
Initial Consultation (1-3 Days): Your broker gathers information about your financial situation and goals, then recommends suitable loan options.
Loan Pre-Approval (1-2 Weeks): The broker submits your application to the chosen lender for pre-approval. This step may take longer if additional documentation or clarification is needed.
Property Search and Valuation (Varies): If you’re buying property, the timeline depends on how quickly you find a suitable property. Once found, the lender arranges a valuation, which can take a few days to a week.
Final Approval (1-2 Weeks): After the lender reviews all details, including the valuation, they issue formal approval.
Settlement (1-2 Weeks): The lender prepares and finalizes the loan documents, and funds are disbursed at settlement.
Working with a broker often speeds up the process, as they manage communications with the lender, ensure paperwork is complete, and address potential delays promptly.

Testimonials

      EXCELLENT  
   Based on 189 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Hala Chahine 
 
 
 
 Trustindex verifies that the original source of the review is Google. Daniel listened to what we needed and pursued it on our behalf. There were anxious times waiting for approvals but Daniel was calm and reassured us consistently that all was well. Thanks Daniel for everything.
  
 
      Posted on Google  
   
   Cas Qew 
 
 
 
 Trustindex verifies that the original source of the review is Google. Dave just blew me away with his knowledge, professionalism and lightning speed! He found the best mortgage provider for me at the best rate and had everything signed, sealed and delivered quicker than I could have imagined. I could not recommend him highly enough. He is the best mortgage broker I have ever dealt with.
  
 
      Posted on Google  
   
   Kat 
 
 
 
 Trustindex verifies that the original source of the review is Google. David was recommended to me by a friend and his service has been greatly appreciated. He is professional, helpful and very easy to communicate with. He had made the refinancing of my home loan seamless and has been great to deal with. I highly recommend David
  
 
      Posted on Google  
   
   Lisa Coviello 
 
 
 
 Trustindex verifies that the original source of the review is Google. Quite simply, Daen Ziegler at Aqua Finance is the best.
This is the 3rd time (and certainly not the last) Daen has been asked to assist with finance and/or refinancing.
It’s an easy decision because Daen is diligent, organised, professional and friendly. Daen communicated clearly throughout the entire process, his positive attitude and experience made an otherwise difficult process seamless. Thankyou Daen.
  
 
      Posted on Google  
   
   Erik Robinson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Best broker in Melbourne. Christie was very attentive and helpful. She provided a good range of refinancing options and displayed a depth of knowledge throughout the process.
  
 
      Posted on Google  
   
   Chris McKenzie 
 
 
 
 Trustindex verifies that the original source of the review is Google. An absolute pleasure to have had Daen Ziegler arranging finance for our new home in Point Cook. The service provided from Daen was exceptional in every aspect and we could not be happier with the outcome! Everything from the beginning was very professional and at same time felt personal knowing thigs were being managed closely and orderly with continual updates provided using simple words that anyone could understand and be comfortable with! Highly recommend using this service, and indeed Daen Ziegler.
  
 
      Posted on Google  
   
   Zamae Silva 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service. Outstanding communication. Professional and reliable. I will definitely reccomend him.
  
 
      Posted on Google  
   
   Walleed Rasheed 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant service. I had the pleasure of working with David Henderson to refinance my home loan, and I couldn’t be more satisfied with the outcome. He helped me secure a much better interest rate with a new lender, making the entire process incredibly smooth and stress-free. David’s professionalism and expertise instilled great confidence in me throughout, and he always had my best interests in mind. I highly recommend David for anyone seeking reliable and client-focused financial services
  
 
      Posted on Google  
   
   anooga muthu 
 
 
 
 Trustindex verifies that the original source of the review is Google. Professional and efficient . David   has been fantastic in helping us to sanction our home loan in a short span of time. Most importantly  he is very patient and helpful in answering all our questions and make sure  we understand  the whole process  correctly. I strongly  recommend  him to anyone who requires financial assistance. He is very professional and punctual in updating  everything   regarding our home loan time to time. I take this opportunity  to thankyou once again for your amazing service to make our dream come true.
  
 
      Posted on Google  
   
   rajany kailasapillai 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing performance .  just wanted to say big big thank you for your hard work in securing a mortgage for me and for guiding me through SMSF from step one. My experience couldn't have been a more positive one and I feel very lucky to have had good people like yourself working for me.
  
 
  
  
 
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