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

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!
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.

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