Money Jar Concept Reviews 70

TrustScore 5 out of 5

4.9

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Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Company details

  1. Mobile Money Agent

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

4.9

Excellent

TrustScore 5 out of 5

70 reviews

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Rated 5 out of 5 stars

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!

13 April 2026
Unprompted review
Rated 5 out of 5 stars

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.

15 January 2026
Unprompted review
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Reply from Money Jar Concept

My man Moey. #fistpump

Thanks for the niceties; it's been a good few years, and unfortunately we have a couple more decades of working together haha.

Loving all the support from your family, and you know I've got your family's back to when it's time for another refinance/purchase.

Keep it real, mate!

John Ng
Your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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!

17 February 2026
Unprompted review
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Reply from Money Jar Concept

Short and sweet, Kate. Thank you.

It's been a real trip over the last four years, and ensuring we're finally ready to get things organised.

Patience with a capital P! #fistpump

Elated that you're finally onboard the Money Jar Concept family. Here's to many more years of design work, money talks and Whatsapp chats.

- John Ng
Your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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!

1 October 2025
Unprompted review
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Reply from Money Jar Concept

What a journey it's been, Kim! All the more special with the location of your new home :)

Your first Christmas in your new home, and many more years of memories within those four walls.

We have so many years of teamwork ahead of us - looking forward to ticking off all your finance goals! #fistpump

John Ng, your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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.

11 June 2025
Unprompted review
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Reply from Money Jar Concept

Morning from Singapore, Cris! We'd spent more time waiting for settlement, than the actual loan process itself :) Thank you for trusting my process, and being such a good student. All the good questions were asked, and I think you're now ready to be a mortgage broker too (haha).

Jokes aside, so happy you finally have your first home, and all the memories you'll build within those walls.

Welcome to the Money Jar Concept family!

- John Ng, your favourite Bald and Bespectacled broker

Rated 5 out of 5 stars

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.

22 August 2025
Unprompted review
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Reply from Money Jar Concept

Best clients! Especially those who've been following me for a long time :)

Thank you for your kind words, Ellen. It did get a little hairy at times, but we got there finally. First SMSF, and hopefully many more to come!

John Ng
Your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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.🏡🎉👩🏻🧔‍♀️😸😺

21 July 2025
Unprompted review
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Reply from Money Jar Concept

I thought I was a wordsmith, until I saw 'Bespectacled Broker Briiliance' - can't beat that! Thanks for trusting my process Pivot City, we've done SO MUCH over an eight month period. There may have been initial scepticism and fears, but I'm so happy you both jump on board. Your first home - best memories.

Welcome to the Money Jar Concept family!

John Ng, your favourite Bald & Bespectacled broker
Money Jar Concept

Rated 5 out of 5 stars

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!

16 April 2025
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Reply from Money Jar Concept

What a trip - Rogan!! Three years, while living two streets from each other, and now your family is so far away! Whatever did I do to drive you all away? Haha. It's been amazing working with you both - thank you for trusting my process. There's been a lot of back and forth, but we got there. Welcome to the Money Jar Concept family!

- John Ng, your favourite Bald and Bespectacled broker

Rated 5 out of 5 stars

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.

18 April 2025
Unprompted review
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Reply from Money Jar Concept

Thank you N&D! A lot happened between Christmas and settlement - but what a trip it's been! Thank you for trusting my process. We can yak all day about Singapore and all things food/living there. Can't wait to see how you three grow in your new home!

- John Ng, your favourite Bald and Bespectacled broker

Rated 5 out of 5 stars

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!

28 January 2025
Unprompted review
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Reply from Money Jar Concept

What an epic finance trip it was, Dee! Thank you for your patience; we couldn't have done it without swearing, laughing and just good old dose of common sense. This is why we drink or have vices! Haha. Would love to see the done-up home. Welcome to the Money Jar Concept family.

- John Ng, your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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.

20 September 2024
Unprompted review
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Reply from Money Jar Concept

It has been 2.5 years, Amanda and Family! How was your first Christmas and NY in your new family home?

From the lockdown + zoom days, over countless emails and more Zooms, to seeing W on his knees, getting some elbow grease into your new home - what a journey! :)

This couldn't have happened without your family, trusting my process. Thank you.

We have so much to look forward together as a team, in the years' to come. #fistpump

- John Ng your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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.

15 November 2024
Unprompted review
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Reply from Money Jar Concept

Hey Penel! What an epic 18 months it's been.

Thank you for trusting my process, and getting your family on board with this as well. Genuinely happy that things are the way they are now; and you have so many more years ahead of bliss within your new home.

Can't wait to see the new home - gives me a reason to make the hike up that part of VIC! :)

- John Ng, your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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!

14 November 2024
Unprompted review
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Reply from Money Jar Concept

Marching On Together! Leeds Leeds Leeds! :)

Thank you to you two for reaching out to me back in October 23; we've done so much in just 12 months. You both didn't think home ownership was possible then, but look at you both now. That's an amazing family home!

Unfortunately, I'm too near to you both so I'd have to put up with your car pulling behind mine at the lights, or perhaps running into you at Saccas haha.

Have a great Christmas and Happy 2025!

- John Ng, your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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.

13 November 2024
Unprompted review
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Reply from Money Jar Concept

Your first property, Khristian! You no longer have a small kitchen and a slightly damaged range hood to deal with haha! I think you have a much better understanding of your finances now, and there's a lot we can do together in the years ahead. Ushering the new year in your new home - nothing beats that!

- John Ng, your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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!!!

13 September 2024
Unprompted review
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Reply from Money Jar Concept

Isobel, I was this close to shedding a tear when you shared your inner thoughts. Thank you, genuinely for such a beautifully-written review. It has been an amazing five years, and I'm touched that our initial Masterclass left such an impression on you both. We have many more years of working together fortunately. Can't wait to see you both one day in ACT.

John Ng
- Your Favourite Bald and Bespectacled Broker

Rated 5 out of 5 stars

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!

16 September 2024
Unprompted review
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Reply from Money Jar Concept

Hi Dimitra - thank you!

Actually, you made me look up our timeline, it was 11 months between your initial query to me, and your loan being formally approved.

Fast forward a few more months, and now you have a home? OMG WHAT!?

Really enjoyed working with you; you just get it.

And yes, you're not far from me so I'm expecting an invite from you soon :)

- John Ng, your favourite Bald and Bespectacled broker

Rated 5 out of 5 stars

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.

9 September 2024
Unprompted review
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Reply from Money Jar Concept

Almost five years next month + now three properties with me, Tristan and Family. Thank you for the support and trusting my process. Let's take over every state in Australia #fistpump

Rated 5 out of 5 stars

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.

16 August 2024
Unprompted review
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Reply from Money Jar Concept

Daniel, gosh it was like a speed train working with you both. Everything happened so quickly and smoothly.

You're too kind as well; You both understood the numbers and mechanics behind what you both had to do.

There were a few roadblocks, but we got there.

Thank you for giving me a chance to help you both get into your dream home. I can't wait to visit that precinct :)

- John Ng, your favourite Bald & Bespectacled broker

Rated 5 out of 5 stars

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!

12 August 2024
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Reply from Money Jar Concept

Hello Alex, Thank you!

What a crazy little journey it's been.

It's been a fun and easy 11 months since you both had reached out to me, and we finally got there! Unfortunately I'm kinda stuck with you both for the next 20+ years lol.

But honestly, I can only work as quickly as you both could, as you both had a clear strategy + moved quickly, and even though there was a temporary hiccup, you both did what was necessary to get into the market.

And yes, I know where you live, so I'll be dropping in for a stickybeak! :)

- John Ng, your favourite Bald and Bespectacled broker

Rated 5 out of 5 stars

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!

3 June 2024
Unprompted review
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Reply from Money Jar Concept

Ahhh Jeannie - thank you! So much has happened in the 18 months since you both reached out to me. I couldn't tell you both were anxious; I thought you both played it really cool. :)

You both have a beautiful family home, and will now form your own core memories within those walls. Looking forward to dropping in soon for a visit! :)

- John Ng, your favourite Bald & Bespectacled broker.

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