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.

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.

Through Money Jar Concept, John's proud to contribute to the wonderful work of RMCC, which supports school-aged kids from refugee and migrant backgrounds to overcome the barriers they face as they settle into life in Australia. Australia really is the lucky country, and John believes it's on all of us build connected, resilient communities. 

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

Taryn Inkster
April 20, 2025.
John`s services are exceptional. My husband and I contacted John for some initial advice and guidance and within a month we had goals and a plan. Within three months we had purchased our second home and had moved in. Would highly recommend John, both professionally and personally, he is genuinely a lovely human being to know.
Emmet & Trang Brazil
April 7, 2025.
We have had multiple occasions using John's services. He was always efficient and prompt throughout the entire application process, ensuring that everything went smoothly and quickly. Not only did John secure a good mortgage rate for us, but he found the right lender that would cater to our situations. He made what can often be a stressful process feel effortless (not the documents gathering process though, as it's always time consuming... lol) and straightforward. We highly recommend John to anyone in need of a mortgage broker. His professionalism, knowledge, and commitment to their clients are truly outstanding and you know you will be in good hand.
Simone Barlow
February 6, 2025.
John is so friendly and knowledgeable. He takes the time to get to know your situation and is really passionate about supporting families. Highly recommend
Ben Lancaster
December 10, 2024.
It's been so nice to work with John these past 3 years. From the initial process of buying a house to catching up since then and making sure everything has been good since then! I would highly recommend Money Jar Concept for your brokering needs!
Will Murphy
December 9, 2024.
We can't thank John enough for all the help and guidance over the past 2.5 years. From the start, John has been there to answer our endless questions, offer advice, and keep us on track to purchase our family home. We definitely buried John and his team in paperwork, but they handled it all with so much patience and made sure everything was in order. Thanks to John's support and expertise, we now officially a homeowners! If you’re looking for a mortgage broker who’s knowledgeable, patient, and genuinely invested in your success, look no further than John at Money Jar Concept.
Lachlan Moore
November 27, 2024.
Super helpful, through a super stressful period. Guided us through buying our first home. Genuinely would not have been able to do it without John. Was always available to answer all our questions and make sure we understood everything we were doing.
Penel
November 17, 2024.
I was referred to John at Money Jar Concept to see what options may be available to me due to being on disability pension. From our very first chat he made me feel relaxed & explained every step in easy to understand terms. He was so understanding throughout the whole process & so easy to talk to. He even welcomed my extended family to take part in the whole process so I was very supported. I truly have great respect, trust & faith in John. John is down to earth, friendly, quirky nature & an all round good guy. I wouldn't have gotten to be able to say I'm a proud home owner again without his help. From my whole family we Thank you John for being apart of our journey.
Valerie Maloney
November 14, 2024.
If only we could give more stars!! We had an exceptional experience with John, from start to finish, his professionalism and attention to detail was unmatched. He held our hand through the whole process, exactly what we needed in an area we had no experience in. He even called to our home with documents to sign and was available on WhatsApp at at any time to answer my ridiculous questions. John always provided clear communication throughout the process, delivered exactly what was promised (and before they were promised) and exceeded our expectations in every way! Whether you're looking for high-quality service, reliability, or just a smooth, hassle-free experience, I highly recommend MoneyJar Concept. Thank you for everything!
Khristian Oliveria
November 13, 2024.
John worked with us on the purchase/mortgage of a new property. John shared his knowledge with me in a way that made me, as a first home owner buyer, easily understand new and foreign concepts to myself. John is meticulously sharp on the details and no stones were left unturned in securing a mortgage. Thanks again John for everything you've done for us.
Ai-Lin Chang
November 12, 2024.
We worked with John on both a refinance of an existing property, and the purchase/mortgage of a new property. John was proactive, knowledgeable and responsive and was able to land us two great mortgage products that we're both very happy with. Above all else, John is an amazing project manager with a strong eye for detail, and the process of going through the mortgage was genuinely quite seamless and stress-free. Thanks John for all your work.

Let's keep in touch!

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