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

We help you craft a strategy to get more from your finances now and for the long-term.
We take the time to understand your situation, goals and needs, and then map how to get there.
We believe knowledge is power, and freely share property and finance insights with you.
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.

Getting to know you
We sit down together to figure out your financial situation and define your goals.
Researching your options
We scour the market, research bank policy and present you with your options.
Making it happen for you
We guide you through the process and put together a compelling application.
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

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!

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