John has helped us refinance our investment and home loans twice. Both times were easy and we were happy with the improved rates we got from our new lenders. It was therefore instinctive for us to go... See more
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My wife found Money Jar online via Instagram I believe. At first I just went along with it but upon meeting John and went through his home loan masterclass...i was impressed. John knows how to commun... See more
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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... See more
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We wanted help with coming off Fixed mortgage and also how to navigate options that would give us better financial control. John has been an exceptional find. We found him via online search, and we a... See more
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Company details
Written by the company
I am Melbourne Inner West's favourite Bald & Bespectacled broker, with a keen interest in community engagement and social media. I'm not your average 'Mortgage or Finance Broker'. I'm definitely not going to sell 'Best rate' or 'Best service'. Every broker does that. I'm just a qualified journalist, who fell into finance while juggling a Finance Broking business. I can't wait to meet you all!
Contact info
PO Box 138, 3012, Kingsville, Australia
- (+61) 481579828
- johnng@moneyjarconcept.com.au
- moneyjarconcept.com.au
Bridging Loan
John has helped us refinance our investment and home loans twice. Both times were easy and we were happy with the improved rates we got from our new lenders. It was therefore instinctive for us to go to John when we wanted to purchase a new property in Adelaide even though John's based in Melbourne. We needed a bridging loan and John took the time to make sure we understood what that entailed. He was thorough and kept checking in on us to see if we needed anything. He sent us reports of potential houses we were interested in and was readily available when we needed advice. He kept calm throughout a tricky settlement and fielded some very stressed calls from me! In the end, the stars aligned, in no small part due to John. We would not hesitate to recommend him to anyone!
Power Money Jar!
My wife found Money Jar online via Instagram I believe. At first I just went along with it but upon meeting John and went through his home loan masterclass...i was impressed. John knows how to communicate and explain to people so they can and will understand. Just looking at his socials, you can tell he is quite an interactive person. He will find you that better deal. Speaking of deal, he has also guided me to a Car Finance Broker. Laid out my options regarding getting a new family car and I've chosen to go with a Car Finance Broker that he has good connections with. I would recommend him and his company to anyone. - all the best.

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Money Jar Concept are fantastic
Money Jar Concept are fantastic! John was a great help through the refinancing process and answered any and all questions with care and patience - Whenever the opportunity arrises I always recommend John to my friends and family!

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Happy First Home Buyers
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, we found that in John. Thank you, John!

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Great information and amazing broker
Had a great experience with John as my broker. Was open and honest with my situation and gave me the best opportunity to purchase my first property, which I did in June. Highly recommended to my friends who are in the place I was.

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Money Jar Magic
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.

Reply from Money Jar Concept
Bespectacled Broker Brilliance 🤓✨
We engaged John's services in the second half of 2024 and are now proud first home buyers having just moved in to our new home over the last month.
Before engaging John, there was a cloud of uncertainty surrounding our beliefs and knowledge to achieve our home buyer dreams... John was kind and thoughtful, he really clarified so much of the process for us, answering our questions and being very available / communicating in a timely manner.
John is genuinely excited to go on the journey with you, which makes the ups and downs that inevitably arise with home buying feel supported the whole way.
Thanks for all your support and advice in making our wildest dreams come true.🏡🎉👩🏻🧔♀️😸😺

Reply from Money Jar Concept
Thank you John!
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!

Reply from Money Jar Concept
Great experience working with John
Great experience working with John. We had lots of questions, and from the start, John was responsive and available without making us feel like any questions were too silly. Everything came together smoothly and quickly for the purchase of our first home.

Reply from Money Jar Concept
Look no further!
I cannot speak highly enough for all of John's expertise & efforts to get our tricky refinance sorted and approved. John is the most friendly and sincere broker we have used. John was very responsive with all queries and cleared roadblocks with the utmost ease. There was laughter, angst & frustration (on my side) but John's calming nature helped through a very stressful time and was very much appreciated. If anyone is looking for an honest hardworking Broker John is your man!

Reply from Money Jar Concept
We can't thank John enough
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.

Reply from Money Jar Concept
10/10🌟STARS Service & Personality
10/10🌟STARS Service & Personality
I was referred to John at Money Jar Concept over 18 months ago to see what options may be available to me due to being on 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.

Reply from Money Jar Concept
If only we could give more stars!
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!

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First Home Owner
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.

Reply from Money Jar Concept
Melbourne to Canberra
Five years ago, before the covid lockdowns hit we started working with Money Jar Concept to buy a place in Melbourne. We were a way off a deposit that was going to get us the kind of place we were looking for. Support from John, and an incredible financial review was invaluable for getting us where we needed to be.
Life took over, covid hit and we found ourselves back in Canberra and ready to buy again this year. Of course, Money Jar Concept (and John) immediately came to mind, we crossed our fingers and toes he’d help two former inner west Melbournians, now Canberrans find a home in the ACT.
We’re so grateful John jumped at the opportunity, he’s honest, a joy, fun and frank. After our first reconnection meeting, we knew we were in the best hands.
Throughout every stage we’d often marvel at the amazingly talented and supportive team we had in our corner. John was the biggest part of that strength and support. His advice never missed; his work was incredible, he’s a great communicator kind and funny. He’s never going to tell you what you want to hear if it conflicts with best advice or what you need to hear. John is also flexible and ready to tackle any hurdles with curiosity and good humour.
We can’t wait to keep working with Money Jar Concept in the years to come. John is a rare gem and incredibly talented at what he does.
As a kid I didn’t dream about a particular job or my wedding day or my future spouse, but I would imagine and reimagine my home over and over. John has really made a lifelong dream to be a homeowner come true. John made a daunting and complex first home buying experience a totally joyful and seamless process. Thank you!!!

Reply from Money Jar Concept
A fantastic broker and so much more!
John is a fantastic broker and genuinely wonderful person! He is knowledgeable, patient, understanding, highly responsive and very solutions focused! Although it took quite some time from my first contact with John to finally being able to kick start the journey with the masterclass, he made sure to stay in touch and was consistently encouraging and reassuring. This continued right through to the property purchase, securing of a home loan and settlement, which was achieved in record time and with exceptional finesse! I am looking forward to showing John my new home and continuing to work together with him in the future. I can’t thank John enough for making a tricky process appear seamless. I could not have achieved it without your expertise, guidance and wicked sense of humour!

Reply from Money Jar Concept
Ur in good hands
John, has helped us secure our 2nd Investment Property with a quick turnaround time too. I highly recommend his services if you are looking for a mortgage broker who knows his stuff, is a great communicator and really wants the best for his clients.

Reply from Money Jar Concept
Money Jar Concept was instrumental in…
Money Jar Concept was instrumental in helping us purchase our first home. The masterclass provided valuable insights, allowing us to explore our best options. The process of leveraging our investment property for the deposit was seamless, thanks to John’s expertise. From the masterclass to moving in, everything was handled quickly, and we received plenty of support throughout. We highly recommend Money Jar Concept for all your broker needs, whether it’s refinancing, investment properties, or securing an owner-occupied home. Their service is top-notch.

Reply from Money Jar Concept
John is a fantastic broker!
John is a fantastic broker and genuine legend! Patient, understanding, super responsive and equipped us with all the information we needed to make our first home purchase, supporting us all the way from the masterclass to settlement and beyond! Looking forward to showing John our new home and continuing to work together in the future. Thanks again, we could not have done it without your wisdom, humour and guidance!

Reply from Money Jar Concept
Brilliant broker!
My husband and I have worked with John for around two years and cannot speak highly enough of his expertise and guidance. From the get go John provided us with detailed and realistic advice, which guided our decision making and also resulted in a fast lending application experience. John is such a friendly and reliable broker, it’s been a slice working with him. As anxious first home buyers, we couldn’t have hoped for a better experience!

Reply from Money Jar Concept
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