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You’re Paying for Nothing.
$550 a week.
$28,000 a year.
All gone. No ownership. No progress.

That’s not safe — that’s slow financial death.

Most people never even check if they could buy.
They just assume. And keep paying.

Still Renting?


60 seconds.
No credit check.
No signup.

Run the numbers.
Or keep paying off someone else’s house.

This quiz changes that.

Embed

<!DOCTYPE html>
<html lang="en">
<head>
  <meta charset="UTF-8" />
  <meta name="viewport" content="width=device-width, initial-scale=1.0"/>
  <title>First Home Buyer Quiz</title>
  <style>
    .calculator {
      font-family: Arial, sans-serif;
      background-color: #000;
      color: white;
      padding: 25px;
      text-align: center;
      max-width: 600px;
      margin: 40px auto;
      border-radius: 12px;
      border: 2px solid #00bfff;
      box-shadow: 0 0 25px rgba(0, 191, 255, 0.5);
    }
    .calculator h2 {
      color: #ffcc00;
      font-size: 36px;
      text-shadow: 0 0 10px #ffcc00;
      margin-bottom: 10px;
    }
    .calculator label {
      display: block;
      margin: 20px 0 10px;
      font-size: 18px;
      font-weight: bold;
      color: #fff;
      text-shadow: 0 0 5px #00bfff;
      text-align: left;
    }
    .calculator input,
    .calculator select {
      width: 100%;
      padding: 14px;
      margin-bottom: 15px;
      background-color: #000 !important;
      border: 2px solid #00bfff;
      border-radius: 8px;
      color: #fff;
      font-size: 18px;
      box-shadow: inset 0 0 10px #00bfff;
      caret-color: #fff;
    }
    .calculator input:focus,
    .calculator select:focus {
      outline: none;
      border-color: #00ffae;
    }
    .calculator input::placeholder {
      color: #ccc;
    }
    .calculator select option {
      background-color: #000;
      color: #fff;
    }
    .calculator input.error,
    .calculator select.error {
      border-color: red;
    }
    .calculator button {
      background: linear-gradient(45deg, #ff0000, #ffcc00);
      color: white;
      font-size: 20px;
      padding: 16px;
      border: none;
      width: 100%;
      border-radius: 8px;
      font-weight: bold;
      cursor: pointer;
      text-transform: uppercase;
      box-shadow: 0 0 20px rgba(255, 0, 0, 0.9);
    }
    .calculator button:hover {
      background: linear-gradient(45deg, #cc0000, #ffaa00);
    }
    .result {
      display: none;
      margin-top: 30px;
      background: #1b1b1b;
      padding: 30px;
      border-radius: 10px;
      border: 2px solid #00bfff;
    }
    .cta-button {
      display: inline-block;
      margin-top: 25px;
      padding: 14px 20px;
      background: linear-gradient(45deg, #00bfff, #00ffae);
      color: black;
      font-weight: bold;
      border-radius: 8px;
      text-decoration: none;
      font-size: 16px;
    }
  </style>
</head>
<body>

<div class="calculator" id="fhb-calculator">
  <h2>First Home Buyer Quiz</h2>
  <p style="color: #ffcc00; font-size: 13px; margin-bottom: 20px;">
    Tech can be weird sometimes. If the form freezes, just refresh the page — you won’t lose anything.
  </p>

  <div id="step1">
    <label>Full Name</label>
    <input type="text" id="name" placeholder="e.g. John Smith">
    <label>Email Address</label>
    <input type="email" id="email" placeholder="e.g. john@email.com">
    <label>Where are you looking to buy?</label>
    <input type="text" id="region" placeholder="e.g. Auckland">
    <button type="button" onclick="goToStep2()">Next Step</button>
  </div>

  <div id="step2" style="display:none;">
    <label>Annual Household Income</label>
    <input type="text" id="income" placeholder="e.g. 120,000">
    <label>How much deposit do you have?</label>
    <input type="text" id="deposit" placeholder="e.g. 50,000">
    <label>Is this your first home?</label>
    <select id="first-home">
      <option value="">Select one</option>
      <option value="Yes">Yes</option>
      <option value="No">No</option>
    </select>
    <label>How’s your credit?</label>
    <select id="credit-score">
      <option value="">Select score range</option>
      <option value="Excellent">Excellent (800+)</option>
      <option value="Good">Good (700–799)</option>
      <option value="Fair">Fair (600–699)</option>
      <option value="Poor">Poor (below 600)</option>
    </select>
    <label>When do you want to buy?</label>
    <select id="timeline">
      <option value="">Select one</option>
      <option value="ASAP">ASAP</option>
      <option value="1–3 months">1–3 months</option>
      <option value="3–6 months">3–6 months</option>
      <option value="Just exploring">Just exploring</option>
    </select>
    <button type="button" onclick="submitFHB()">Run the Numbers</button>
  </div>

  <div class="result" id="result-box">
    <strong style="font-size: 24px;">You’re Closer Than You Think.</strong>
    <p style="margin-top: 10px;">
      Based on what you just told us, you're not as far off as you might’ve thought.<br><br>
      <strong style="color: #00ffae;" id="estimate-output"></strong>
    </p>

    <div id="phone-confirm-wrapper">
      <p style="text-align:left; font-size:16px; margin-bottom:10px; color:#ccc;">
        Want clarity even faster? Drop your number below and we’ll call you directly — no spam, no pressure, no BS.
      </p>
      <label>Enter your number so we can call you:</label>
      <input type="tel" id="confirm_phone" placeholder="e.g. 021 123 4567">
      <p style="font-size: 14px; color: #aaa; margin: -10px 0 15px;">
        If it’s outside business hours, we’ll call first thing the next working morning.
      </p>
      <button type="button" onclick="submitPhone()">Confirm My Callback</button>
    </div>

    <div id="phone-dopamine" style="display:none;">
      <strong style="font-size: 22px;">Boom — You’re In.</strong>
      <p>Someone’s now looking at your numbers. This could be the start of buying your first place — and it’s moving faster than you think.</p>
      <p>You’ve done your part. We’ll take it from here.</p>
    </div>

    <p style="font-size: 14px; color: #ccc; margin-top:30px;">Prefer to pick your time instead?</p>
    <a href="https://calendly.com/tyson-mortgageninja/5-minute-refinance-breakdown" class="cta-button" target="_blank">🗓️ Book a Free Call</a>
  </div>
</div>

<script>
  function stripCommas(str) {
    return str.replace(/,/g, '');
  }

  function goToStep2() {
    const step1Fields = ["name", "email", "region"];
    let isValid = true;
    step1Fields.forEach(id => {
      const field = document.getElementById(id);
      if (!field.value) {
        field.classList.add("error");
        isValid = false;
      } else {
        field.classList.remove("error");
      }
    });
    if (!isValid) {
      alert("Just need these 3 and we’re off 🔥");
      return;
    }
    document.getElementById("step1").style.display = "none";
    document.getElementById("step2").style.display = "block";
    document.getElementById("fhb-calculator").scrollIntoView({ behavior: "smooth" });
  }

  function submitFHB() {
    const fields = ["name", "email", "income", "deposit", "region", "first-home", "credit-score", "timeline"];
    let isValid = true;
    const payload = {};
    fields.forEach(id => {
      const field = document.getElementById(id);
      if (!field.value) {
        field.classList.add("error");
        isValid = false;
      } else {
        field.classList.remove("error");
        payload[id] = (id === 'income' || id === 'deposit') ? stripCommas(field.value) : field.value;
      }
    });
    if (!isValid) {
      alert("Fill out all fields, future homeowner 👊");
      return;
    }

    const rawIncome = parseFloat(stripCommas(document.getElementById("income").value)) || 0;
    const rawDeposit = parseFloat(stripCommas(document.getElementById("deposit").value)) || 0;
    const income = Math.min(rawIncome, 500000);
    const deposit = Math.min(rawDeposit, 500000);

    const estLow = Math.round((income * 4 + deposit) * 0.9);
    const estHigh = Math.round((income * 5 + deposit) * 1.05);
    const estimateText = `Rough estimate based on buyers like you: $${estLow.toLocaleString()} – $${estHigh.toLocaleString()}`;
    document.getElementById("estimate-output").textContent = estimateText;

    payload["submitted_at"] = new Date().toISOString();
    document.getElementById("result-box").style.display = "block";
    document.getElementById("fhb-calculator").scrollIntoView({ behavior: "smooth" });

    fetch("https://webhook.latenode.com/22551/dev/26691693-68c7-4ff5-a446-581a5569b009", {
      method: "POST",
      headers: { "Content-Type": "application/json" },
      body: JSON.stringify(payload)
    });
  }

  function submitPhone() {
    const phone = document.getElementById("confirm_phone").value;
    if (!phone) {
      alert("Chuck in your number so we can call you.");
      return;
    }
    const payload = {
      name: document.getElementById("name").value,
      email: document.getElementById("email").value,
      income: stripCommas(document.getElementById("income").value),
      deposit: stripCommas(document.getElementById("deposit").value),
      region: document.getElementById("region").value,
      first_home: document.getElementById("first-home").value,
      credit_score: document.getElementById("credit-score").value,
      timeline: document.getElementById("timeline").value,
      phone: phone,
      event: "PhoneSubmitted",
      submitted_at: new Date().toISOString()
    };
    fetch("https://webhook.latenode.com/22551/dev/26691693-68c7-4ff5-a446-581a5569b009", {
      method: "POST",
      headers: { "Content-Type": "application/json" },
      body: JSON.stringify(payload)
    });
    document.getElementById("phone-confirm-wrapper").style.display = "none";
    document.getElementById("phone-dopamine").style.display = "block";
    document.getElementById("phone-dopamine").scrollIntoView({ behavior: "smooth" });
  }
</script>

</body>
</html>


Mortgage Ninja

Mortgage Ninja helps Kiwi homebuyers skip the slow broker drama and get matched fast with mortgage experts who actually get things done.
We use smart tech to pair you with the right lender or broker — no fluff, no confusion, just straight-up clarity and speed.
It’s a faster, smarter way to get approved, and it works.

