Aqua Financial Services 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

AMA Finalist- Broker of the Year- Productivity
Vicky Nikova, 2020

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.

Meet the Team

Daniel Hustwaite

Principal Daniel Hustwaite has extensive industry experience backed by a Diploma in Financial Services. Daniel has gained an exceptional reputation built on experience, integrity and unparalleled industry knowledge.

After five years with a major Australian banking institution, Daniel identified a need for a more personalised, tailored approach to customer requirements and began his career as a Mortgage Broker.

Daniel established Aqua Financial Services which holds its own Australian credit license, is a full member of the MFAA (Mortgage and Finance Association of Australia), is fully insured and continually delivers cost effective, perfectly matched solutions to its many satisfied clients.

Daniel’s priority is understanding his client’s needs and he prides himself on the ability to negotiate the best outcomes for his clients.

Call 0408 985 611 | Email:

Vicky Nikova

Joined Aqua 2/05/2016
Principal of the Aqua Queensland branch, Vicky has over 10 years’ experience in the banking and financial services industry after completing her Bachelor of Commerce at La Trobe University where she majored in Accounting and Financial Planning.

She went on to complete her Diploma of Finance and Mortgage Broking Management and has been helping clients achieve their plans ever since.

Vicky prides herself on developing long term relationships with her clients and has assisted them to achieve their life-goals with effective finance solutions that are tailored to meet their personal circumstances and needs, whether purchasing their first home or buying that investment property.

Call 0438 101 813 | Email:

Dayne Kleeman

Joined Aqua 5/05/2014
After over 11 years of experience in the Real Estate industry Dayne has joined the team at Aqua Financial Services as a Lending Manager with the view to further assist his clients reach their financial and property goals.

Coming from another service based industry Dayne prides himself on a strong work ethic, dedicated focus on customer service and a real analytical approach to ensure his clients needs are met to ensure the best possible outcome all round.

Currently undergoing further studies to build upon his existing skill sets, Dayne is keen to learn the best practices in his new chosen career path.

Call 0419 504 576 | Email:

Nadia Roberts

Joined Aqua 15/06/2015
Nadia joined Aqua Financial Services as a Lending Manager in June 2015. Nadia brings with her a wealth of experience and knowledge gained through her previous 8 years employment with National Australia Bank, previous to this Nadia was working in various lending roles in New Zealand for 5 years.

The opportunity to assist clients in achieving their financial goals is Nadia’s motivation. The move to Aqua Financial Services was driven by a desire to be out in the field with her client’s and also provide her clients with a broader range of lending options to ensure that her clients’ needs are catered for.

Nadia is committed to providing her clients with a service which exceeds their expectations allowing them to feel at ease with the process of securing finance for their largest asset.

Call 0439 282 477 | Email:

David Henderson

Joined Aqua 01/11/2015
After spending 15 years in the banking and financial services industry in a variety of diverse roles with major banks, David joined the team at Aqua Financial Services as a Lending Manager.

David prides himself on his ability to deliver the best possible outcome for his clients by providing expert advice and solutions that allow his clients to make better, more informed investment decisions.

His passion for helping people, solving problems, and his love of all things ‘financial’ are the key reasons he has chosen a career in the mortgage broking industry.

Call 0437 668 620 | Email:

Daen Ziegler

Joined Aqua 8/02/2016
Daen is very service orientated and has a strong focus on his client’s needs. Joining the team at Aqua Financial Services as a Lending Manager,  after 10 years in the Real Estate industry, gives him a unique understanding of how the property market works as a whole. This knowledge and experience, allows him to provide his clients with not only great service but the confidence to know that they are going to be in safe hands from start to finish. Having dealt with hundreds of buyers and sellers over the years he knows what is needed to get the best deal done for his clients, providing a professional and stress-free experience for his customers.

Call 0403 268 186 | Email:

Larissa Carter

Joined Aqua 18/05/2017
Larissa joined the Aqua Financial Services team as a Client Service Manager in 2017.

With over 15 years in previous roles which include Hospitality, Funds Management and Education, Larissa is passionate to deliver the highest quality of service to all of Aqua Financial Services clients.

Larissa pursued a career change which lead to her Aqua Financial Services, within the Mortgage Brokerage Industry.

Dedicated to deliver a high standard of service, while still relating to the everyday needs of clients, Larissa prides herself on assisting all of the Aqua Financial clients, Brokers and office managers.

Call 03 9430 5304 | Email:

Julie Bailey

Joined Aqua 31/01/2018
Julie has over 20 years’ experience in the Finance Industry, having completed a Diploma of Finance and Mortgage Broking Management focused in Finance and Financial Management Services from Institute of Strategic Management in 2007.

As an experienced Lender with a demonstrated history of working in the financial services industry, Julie is skilled in Residential Loans, Non-Conforming, Refinance, and Business Relationship Management.

Julie’s extensive knowledge of the industry and ability to work with clients to achieve their goals is exceptional. She is committed to a high level of personal and professional standards.

Call 0407 825 415 | Email:

Richard Stafford

Joined Aqua 15/2/2019
Office and Compliance Manager
Richard has been in the in the Banking and Finance industry since 1990, and has worked in both the residential and commercial spaces during this time. He is local to the Eltham area and is currently the Aqua Team’s Office and Compliance Manager.

Richard’s broad experience in the finance industry enables him to manage our client’s applications in a timely and professional manner. He strives to provide high levels of service and a seamless experience for our clients to help them achieve their financial goals.

Call 03 9430 5300 | Email:

Christie Love

Joined Aqua 12/12/2019
Prior to joining Aqua Financial Services as a mortgage broker, Christie spent 15 years working in the real estate industry and five years undertaking building and asset projects in the not-for-profit sector. As a result, her clients benefit from her extensive knowledge of buildings, real estate, and the property market.

Christie has a Bachelor of Construction Management (with honours) from Deakin University and a Certificate four in Financial Services.

As well as providing the best deal for her clients, Christie delivers a personalised and flexible service to meet the needs of people with busy lifestyles.

Call 0406 998 958 | Email:

Piera Zeinou

Joined Aqua 15/3/2022
Lending Manager

Piera joined the Aqua Financial Services Team as a Loan Processing Manager in March 2022.

After spending four years in the Health and Medical Industry, she decided to embark on a career change and completed the Certificate IV in Finance & Mortgage Broking. She has joined the Aqua team in an administrative position, with a view to complete a Diploma in Finance to further her industry knowledge.
Piera is committed to providing a high quality and dedicated service to the Aqua Brokers and their valued clients.

Call 0417 702 939 | Email:

Debbie Amara

Joined Aqua 11/11/2022
Lending Manager

Through Debbie’s working life and the various roles she has undertaken in hospitality and the building industry Debbie has been exposed to unique opportunities and positions which in turn have allowed her to grow her unique pallet of skills and obtain the vital experience required to support her in her role as a mortgage broker.

With a Diploma in Finance and Mortgage Broking Management and years in supporting clients in their journey toward their finance needs. Debbie can ensure a smooth sailing process from her initial meeting with clients all the way through to settlement.

Debbie is energetic and passionate about working with her clients to create finance experiences, from buying your first home, up to more complex lending scenarios. She spends time with each client to ensure they understand the loan processes and makes sure that the experience is simple and enjoyable.

Call 0424 133 191 | Email:

Lisa Tainton-Smith

Joined when Aqua started
Lisa is an experienced accounts professional with over 20 year’s experience. Previous roles include Financial Accountant for a Blue Chip Australian Company, Lisa works behind the scenes for Aqua Financial Services to ensure seamless and efficient accounts administration.

Call 03 9430 5300 | Email:


Sky recently joined Aqua Financial Services as our appointed Wellbeing Officer. Sky specialises in making us smile, loves receiving pats, cuddles and treats, and can sometimes be found sleeping on the job.

Currently, Sky is still working from home, but we hope you might see her more often at the Eltham office in the near future!