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
John is INCREDIBLE!
John is such a fantastic broker. We engaged with John in a vulnerable position and highly emotive. John’s approach was so supportive, understanding and he’s recommendations were logical and made sense. John made sure to do so much investigative work into our finances, provided us more information than required and ensured to guide us through making an informed decision. We did a masterclass initially which provided us so much knowledge - John is so educated and very skilled in the ins and outs of the banking world, and for us with very little knowledge of numbers he broke things down so simply. We continued on to engage John as a broker who went above and beyond for us. No problem was ever too big for John, he was available when we needed him even when overseas on a family holiday. Our family will be forever grateful for John for helping us work through our financial issues and doing everything he could to get us the best possible outcome. Our skeletons got released from the closet - all because of John. You won’t find a better person, mark my word!
Thanks John for everything you are amazing.

Reply from Money Jar Concept
John has been great to deal with
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 friendly good guy!
Thanks John!

Reply from Money Jar Concept
Go with John, he's the one!
John has been approachable and informative since day one. Over the past year John has taken me from knowing nothing about loans, to property searching, to making an offer, getting a loan approved and now settlement. I plan to work with John for all my future refinancing needs and if I ever buy another property in the future.
What makes John a stand out? It's the feeling that he isn't in it for himself. Some brokers give off that whiff. John, a very community minded person, is supportive, willing to go above and beyond, builds strong relationships through honesty and humour, and is generous with his time and energy. I trust John to work in my best interests which is more than I can say about most brokers I've spoken to.
Go with John, he's the one (future political campaign slogan).
Thanks John for the personal touch.

Reply from Money Jar Concept
Exceptional advice
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 are really glad we did find him. He has given us very clear and logical advice that has enabled us to feel 100% confident that we have made the best choices in regard to changing mortgages and setting ourselves up with a foundation for long-term better money management. Not only is he a great broker, he is a wonderful person, and nice guy!

Reply from Money Jar Concept
Exceptional experience!
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!

Reply from Money Jar Concept
We had an outstanding experience with…
We had an outstanding experience with John. He made the process of refinancing a mortgage easy peasy. His expertise, responsiveness, and dedication to finding the best outcome for us was awesome. I highly recommend his services to anyone in need of a mortgage broker.

Reply from Money Jar Concept
New kids on the block!
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 ☺️

Reply from Money Jar Concept
Best investment i've ever made
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!

Reply from Money Jar Concept

Reply from Money Jar Concept
Seeing the light at the end of the tunnel...
What a journey it has been for us. Our story starts several years ago when we were got ourselves into trouble financially. A referral from a relative is all it took for us to take the first step and give John a call. You can tell that John just wants to help and listen. His tone and genuine conversations assured us that it is possible to get back on our feet. Step by step, he took us through the process on how we could manage our circumstances. With patience and persistence, we trusted the process. It would then take the next 4 years to not only get back on our feet but allowed us to have the best credit score possible. We are grateful and highly recommend using John as our broker in future.

Reply from Money Jar Concept
Would very much recommend.
We would highly recommend Money Jar Concept. John’s communication was excellent. He thoroughly explained every detail from the loan application to lender packages, while consistently providing sound and useful advice. John’s expertise and patience made the process and our experience seamless. So happy to have found a knowledgeable, friendly and local broker. Would definitely recommend John’s services to family and friends.

Reply from Money Jar Concept
Highly recommended
We moved to Melbourne from NZ and struggled with how different everything is in the real estate market. So meeting John & Hayley was a game-changer for us. They were incredible to work with and we can't recommend them highly enough. They made the process so easy and answered all our questions - even those that actually had nothing to do with their role! I honestly don't think we would have managed without them. They are the absolute best!

Reply from Money Jar Concept
Highly recommend Money Jar Concept
It’s great that John is local, knows the area and the market and is an ex Bank employee himself so has a great deal of expertise in this area.
We juggled selling, buying and a simultaneous settlement all in a falling market so had to move quickly. John was all over it and we got our finance approval really quickly and everything went through without any issues.
We highly recommend John, and will most certainly be keeping in touch.

Reply from Money Jar Concept
Refinance made easy!
I had been meaning to refinance my home loan years ago but I dreaded it knowing what was involved but John made the process easy for me! My previous homeloan was a bit convulated so I wanted to streamline the process to make it simpler. John explained things to me in a way i was able to understand (not everyone knows broker lingo!). He kept me up to date every step of the way and cheered along with me when the process was finally complete! Very happy with the service. Thanks John!

Reply from Money Jar Concept
John the amazing broker!
John has been an amazing broker to work with. He supported my husband and I in purchasing our first family home and gave us the hope to stay in the suburb we wanted. John made the process easy and really knows the ins and outs of applying for a home loan. He was also very helpful in providing general advice throughout the buying process. We have really enjoyed the chats and check ins along the way and know we have a broker for life!

Reply from Money Jar Concept
John was really great to work with
John was really great to work with. He gave us really helpful advice, was very open realistic and transparent about our options and successfully supported us on the complex journey to buy our first home. He was extremely easy to work with, patient, an excellent communicator and also had a great sense of humour which brought some fun and great energy to the deal! Highly recommend his services!

Reply from Money Jar Concept
Steady conductor of the financial services train
I was a first time customer for John at Money Jar Concept, my husband was a returning customer. I had my heart set on another business but my husband insisted we speak to John – he’d previously had a great first experience. When we had our first meeting , I quickly realised he not only had a wealth of industry knowledge, but he was genuine and had our best interests at heart (he wasn’t trying to sell us anything for the sake of numbers). From the get-go, all information we needed was canvassed in a clear and easy to understand manner. John, kept us informed at every stage, and kept us aware of what was to come next. The entire process was smooth sailing even when the waters felt a bit turbulent. Thank you so much John for all your help. To anybody else about to embark on journey of home ownership or steering into investment lane, definitely speak to John, you’ll undoubtedly have a first-class experience.

Reply from Money Jar Concept
John was a pleasure to deal with
John was a pleasure to deal with. We refinanced and the process was hassle free thanks to John organising all of the paperwork, keeping an eye on the process, and communicating with us at every step (despite being on holiday). And as a bonus, we're very happy with the customer service from the new bank!

Reply from Money Jar Concept
If I could give more than 5 stars for…
If I could give more than 5 stars for the recent experience I had with John from Money Jar Concept, I would 1000%! As a first time home owner, John was an absolute pleasure and delight to deal with. His patience in explaining the process, advising the next steps and answering my novice questions was so appreciated.
Having had such a dismal experience with the property developer and conveyancer (who I would highly NOT recommend), John from Money Jar Concept (on the other hand) I would HIGHLY recommend. John definitely helped decrease the stress levels this process brought on. John was extremely responsive, and I did not have to wait days for a response and never once did I have to send him a follow up email! John was always on the ball and super quick to respond, what seemed to be 24/7 (what service!). With the urgency of my home loan, John went above and beyond in helping get this through. I was so grateful for all the unprompted updates I received from John and the kind check-ins.
I would recommend John, time and time again, to anyone who is looking for a finance broker. I could not recommend him highly enough! He has definitely lived up to his signature, and has fast become my favourite bald and bespectacled broker!
John, if you’re reading this, you were an absolute pleasure to deal with! Thank you SO much, once again, for all your help!

Reply from Money Jar Concept
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