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

Megan Armanasco
April 25, 2024.
John has been great to deal with. Always very responsive regardless of where he was in the world, very knowledgeable and was always about to answer questions straight away, gave me options to choose from and he’s a friendly, good guy! Thanks John!
Jordan Hammond
March 12, 2024.
I've been working with John at Money Jar for over 12 months now. He's a very honest and reliable broker. At our initial meeting John took the time to teach me all about borrowing, although I still sometimes mix up power with capacity (my bad). John was clear about what conditions I should seek and gave me tips about making an offer. He was always quick to send property reports, even on the weekends! John gave me lots of options to choose from when it came to deciding which bank to choose and was able to give some insider info about their turn around times, I was on a tight schedule. John has always been friendly, funny, and fast. I look forward to working with him for all my future loan needs. Thanks John
Duncan Macgregor
February 22, 2024.
John is a great broker and awesome guy. It is the first time we have used a broker or any third party. We have had wonderful service from him, and as a result, feel so much more in control of our finances and mortgage. Throughout our journey, John has been really good at explaining in simple terms the processes, concepts, and benefits of each step along the way. We highly recommend his service. It is the best money we could have spent, as we can see the benefits immediately from the recommedendations John has made for the changes to our mortgage setup. He also continues to check in with us to see how we are going, which we value a lot. He comes highly recommeded from 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!

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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