Meet John Ng. Keeping the banks honest since 2017.

Your favourite Bald and Bespectacled broker – helping our community thrive with switched on, ethical guidance on all things finance.
Community Achievement Awards for Victoria 2023
20 Leading Australian Mortgage Brokers to Watch 2022
City of Maribyrnong Citizen of the Year 2020
Our Services

How we help

For guidance on finance that's easy-to-understand, focused solely on your best interests, and informed by the highest standards of expertise. Our industry-leading knowledge of loan restructuring and equity release will enable you to get more from your property, and help you thrive - no matter what life serves up.
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Step aside, Netflix

It's a jungle out there. There's a lot of finance content, but let's face it: most of it is geared towards selling you something. Check out our bite-sized videos for an authentic behind-the-scenes view of how the banks work, our top tips, along with insights from our trusted network of finance, property and legal specialists.

What we stand for

We deliver impeccable service that places your needs front and centre, every time. We believe finance should be life-enhancing, not life-inhibiting. We're here to help secure a loan you can live with, and pay back sooner - if that's important to you.

About MoneyJar Concept
Home Loan Seddon

What our clients say about working with us

Vaishnav Balaji
February 19, 2024.
We got in touch with John through our financial planner. The first conversation with John was quite pleasant and we decided to stick with him to secure our mortage. Our home buying journey was extremely chaotic, to the point where we saw a house, put in an offer and then called John to secure the mortgage (without prior warning). John took on the challenge, crossed his t's, dotted his i's and helped us secure our mortgage within a really short timeframe. We highly recommend John if you're looking to secure a mortgage, especially if you are a first home buyer and have never been through the process and system before.
February 19, 2024.
We recently had the pleasure of working with John from Money Jar Concept, and I must say it was an exceptional experience. Despite some initial hiccups on the bank's end, John made the refinancing process remarkably easy and stress-free. His expertise and humour turned what could have been a tedious task into a surprisingly enjoyable one. Hats off to Money Jar Concept for providing an exceptional refinancing experience. It's definitely a 5-star service!
Roscoe Halligan
February 3, 2024.
My wife found this fella through social media. I was sceptical, to say the least. Buying a first home was far more difficult than I thought. John didn’t just help with navigating the quagmire that is home loan finance but he helped us, and encouraged us, throughout the process. Even when we took a long break from looking, as soon as we got back in touch he was on the case, and in our side. He put us in contact with an array of other professionals who helped as well. Honestly, if you are thinking of buying you really want someone like John in your corner. We can’t recommend him enough.
Bianca Phoenix
December 4, 2023.
I found John on a local Facebook page. There were multiple people recommending him as a local broker. Now I understand why. John is approachable, knowledgeable and patient. There were multiple times I messaged John, stressed about the next steps. He would always tell me to trust the process which was correct. I’d highly recommend John as a broker to everyone!
Daniel Phillips
November 30, 2023.
Money Jar Concepts are great. John helped us get a great home loan when we did not look too good on paper and then to refinance a few years later to a rate much better than what the big 4 banks were offering. i recommend to everyone .the best!
Madison Morrison
October 23, 2023.
As first home buyers, we were very naive to the process of buying a home. Contacting John was easily the best decision we made when beginning this journey! As proud new home owners, we can safely say that we would not be in this position had it not been for John and his guidance. From being readily available to help, to answering all of our questions and negotiating home loans, John made this daunting process much smoother. He was understanding and patient with us even though we didn’t really know what we were doing! We can highly recommend John to anyone who is looking to buy their first home, re-mortgage, or just looking for some advice! Thanks so much John ☺️
Camila Simmons
October 3, 2023.
Working with John was an absolute dream!!! From the first meeting until the settlement of our property and beyond he was incredibly helpful. He was always very knowledgeable and professional. He was very prompt in responding to communication and there was never such thing as a silly question. We loved that he empowered us by spending time educating us before making any decisions. We would highly recommend using John!
GraceRodney Guinto
September 8, 2023.
John Ng has been part of our home ownership and refinancing journey for the last 6 years now. He is one of those individuals that always goes that extra mile to ensure you're taking informed steps towards financial stability and responsible investment - with the recognition one's home oftentimes is a family's greatest asset. What we appreciate most about John's advice is his ability break down the financial terms and jargon into every day speak. Into language that you can feel empowered to make the right choice, at the right time, for the right outcomes. We would highly recommend John and his MoneyJar services to those seeking an empathetic mortgage broker that can take you through life's ups and downs. Many thanks!
July 26, 2023.
I had engaged John and his services after coming across his social media profile a few years ago. John's ability to engage with the local community, sharing finance tips and insights encouraged me to reach out for a consult. From day one, I felt like I had a coach in my corner who was there to support me, ready to guide me every step of the way. Thanks to Johns experience, guidance, and advice, my first home purchase was a walk in the park. I look forward to working with John again in the future!
Francisco Sepúlveda
March 26, 2023.
When searching for a home loan you need to be able to rely on someone you can trust to be able to present all the options available and give you the right information to make the right decisions. John is able to do all of this and more. He was able to answer the myriad of questions and provide guidance to best products and solutions to help us save money and pay off our home sooner. Everything was handled quickly, efficiently and his customer service is the best that we have come across. Thanks John!

Mentioned in the media

About us

Money Jar Concept

Delivering astute guidance on all things finance to people (and their businesses) in Melbourne's thriving inner-west.


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