About Money Jar Concept

We're here to help you master your money, buy property, or sustain and grow your business.

About us

We're based in Melbourne's western suburbs - Seddon, Kingsville, Yarraville and surrounds - but through the power of word-of-mouth, we now have happy clients all over Australia. Get in touch for astute, ethical guidance on all things finance. 

John Ng

Owner and Finance Broker
Best Community Engagement Program VIC/TAS 2021
City of Maribyrnong Citizen of the Year 2020
Australian Broking Awards - Social & Community 2022
Founder of Humans of SKY 2017-ongoing
Community Achievement Awards for Victoria 2023
Money Jar Concept is a family-owned business, headed up by John Ng. John's a recovering banker, who knew there had to be a better way to help families and business owners get a fair deal that served their strategic interests.

Australia really is the lucky country, and John believes it's on all of us build connected, resilient communities. 

He's the man behind the community page Humans of Seddon, Kingsville and Yarraville, and has been recognised by both the community and the broking industry for his commitment to sharing the stories of 'everyday' people. He's a big believer that there's more that unites us than divides us, and as someone who's always up for a chat, loves finding out what makes people – and businesses – tick.

One of John's greatest passions is to share his knowledge in an easy-to-understand way to help people have a better relationship with money. To this end, he's contributed to publications like Finder.com.au and many property and finance podcasts.

Stacey Manson

Loan Processor
Stacey has been in the Insurance and Finance industry since 2007. She now works with us to ensure Money Jar Concept client applications are lodged quickly, accurately and timely.
She's a Muay Thai exponent, loves spending time with her daughter, training her rottweiler and won't say no to a cold beer.

Our approach

Strategic
We help you craft a strategy to get more from your finances now and for the long-term.
Personal
We take the time to understand your situation, goals and needs, and then map how to get there.
Transparent
We believe knowledge is power, and freely share property and finance insights with you.
Care
We keep-in-touch with you, and review your loan regularly to ensure it's meeting your needs.
Our process

Ensuring you get the right finance solution, now and into the future.

1
Getting to know you
We sit down together to figure out your financial situation and define your goals.
2
Researching your options
We scour the market, research bank policy and present you with your options.
3
Making it happen for you
We guide you through the process and put together a compelling application.
4
Protecting your interests
We stay close by to look after your financial interests and provide ongoing support.

What our clients say about working with us

Helen S
February 23, 2026.
Loved working with John on our finances, he was honest, kind and humble and just all round lovely and extremely easy to work with. He made every step simple and straightforward and gave me the nudges needed for alllll the paperwork ☺️ Highly recommend, made the whole process super smooth, and kinda enjoyable? Thanks John!
Kim Nguyen
November 25, 2025.
We first reached out to John over two years ago. As first home buyers, we were unsure of the process but he was easy to communicate with and took the time to explain any questions we had throughout the long journey. Although we had a narrow search criteria, he was patient and was always an email or phone call away when a potential property came up. We finally purchased our first home recently. We were looking for a mortgage broker who wasn’t just about looking for the best possible rate for our circumstances but also someone who cared and could provide guidance and support along the way. Thank you, John!
Crisanto Rabaja
November 13, 2025.
John is an absolutely amazing mortgage broker who looked after me during my journey to buying my first house. He gave me more insight and information than I ever thought I needed to know about the process and connected me with amazing services which made the process so smooth. I can't thank him enough for his help over the last few months and would definitely recommend him to all my friends who are at various stages of their home buying journey. John, I am eternally grateful for everything you have done and I am so glad I had your guidance.
Ellen Dharmaraj
September 1, 2025.
We entrusted John with helping us arrange our first SMSF loan and for a very complicated task, he made the process easy. Having followed John's journey on his socials, I understood that he has valuable knowledge in this area that can seem too daunting for others. Highly recommend John for guiding us through this process and getting us the right solution for our goal to improve our superannuation and reach closer to our retirement goals.
Adrian Peresano
August 15, 2025.
John was fantastic to work with over the whole process, far less stressful and time consuming for us than having to search around through all the different bank offerings out there!!
Maki O
July 30, 2025.
John is awesome broker. We are out of state customers that he helped with our refinancing! Very helpful with his knowledge sharing master-class that I appreciated. And he has been excellent in providing open and clear communication on the process, and walking through next steps. 10 out of 10 recommend!
Kirstee Robinson
June 29, 2025.
John was absolutely brilliant from the start of my journey to the end. He showed me great support over the months, great communication and great leadership. His knowledge was fantastic, He took everything I had and helped me gain excactly what I wanted plus more.I would highly recommend John with great confidence to anyone that's needing a fabulous Broker. Thank you John for all your help,support, advice and knowledge I couldn't have done this without you. It's been a pleasure working so closely with you. I appreciate knowing your still in the back ground if and when I need your advice again.
Joanna Fernandez
June 23, 2025.
We recently worked with John for our SMSF purchase, and the expirience was fantastic from start to finish. John was incredibly knowledgeable, responsive and made the entire process stress free. He took the time to explain everything clearly and found a great deal for us. Highly recommend to anyone looking for expert morgage advice with a personal touch!
Ana Ferreira
June 8, 2025.
We couldn't be more grateful for the amazing support and guidance we received from​John throughout the process of buying our first home! As first-time homebuyers, we had a lot of questions and uncertainties, but ​he made everything feel easy and manageable from day one. ​John was always available, incredibly knowledgeable, and genuinely cared about helping us find the perfect place to call home. ​We're very grateful for his honesty and commitment to making sure we felt confident every step of the way. Thanks to ​John, we found a home we absolutely love, and we truly couldn’t have done it without ​h​im. We highly recommend​ ​Money Jar to anyone looking for a trustworthy, friendly, and top-notch professional! ​Thanks neighbour!
Rogan Dack
May 29, 2025.
Thank you John! We really appreciate your patience and commitment to helping us purchase our first home. It was a long time in the making, nearly 3 years, and you were along for the whole ride. Thank for your patient explanations, initial education sessions and getting us through all the questions we had, doing this for the first time. Plus the great eventual outcome! Will see you for the next round. Can recommend!

Let's keep in touch!

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