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Take the 60-Second Refinance Quiz — and see exactly where you stand.

We’ll ask a few quick questions about your income, deposit, and debts,
then give you a clear result:
— Are you in a strong position?
— Do you have some options?
— Or is it better to wait?

No calls. No pressure. No BS.
Just a straight-up result based purely on your numbers.

Start Below. It takes less than a minute — and could save you thousands.

Let’s Cut Through the Guesswork

Embed

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    text-transform: uppercase;
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  #confirmation, #phone-dopamine {
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</style>

<div id="refi-quiz">
  <p style="font-size: 13px; color: #ffdb4d; text-align: center; margin-bottom: 15px;">
    If the form isn’t loading or the button doesn’t respond, just refresh the page — tech’s weird sometimes.
  </p>

  <h2>Refinance Quiz</h2>

  <div id="quiz-form">
    <label>Full Name</label>
    <input type="text" id="name" placeholder="John Smith">

    <label>Email Address</label>
    <input type="email" id="email" placeholder="you@email.com">

    <label>Current Mortgage Balance</label>
    <input type="text" id="loan_size" placeholder="$300,000">

    <label>Current Interest Rate (%)</label>
    <input type="number" step="0.01" id="interest_rate" placeholder="6.5">

    <label>Years Left on Mortgage</label>
    <input type="number" step="0.1" id="term_left" placeholder="25">

    <label>Approx. Property Value</label>
    <input type="text" id="property_value" placeholder="$700,000">

    <label>Household Income (Yearly)</label>
    <input type="text" id="income" placeholder="$120,000">

    <label>Credit Score</label>
    <select id="credit_score">
      <option disabled selected value="">Select</option>
      <option>Excellent (800+)</option>
      <option>Good (700–799)</option>
      <option>Average (600–699)</option>
      <option>Below 600</option>
    </select>

    <label>Employment Status</label>
    <input type="text" id="employment_status" placeholder="e.g. Employed">

    <label>Why are you refinancing?</label>
    <select id="refi_reason">
      <option disabled selected value="">Select</option>
      <option>Lower my repayments</option>
      <option>Pay it off faster</option>
      <option>Pull out equity</option>
      <option>Consolidate debt</option>
      <option>Other</option>
    </select>

    <label>How soon are you looking to refinance?</label>
    <select id="timeline">
      <option disabled selected value="">Select</option>
      <option>ASAP</option>
      <option>1–3 months</option>
      <option>3–6 months</option>
      <option>Just researching</option>
    </select>

    <label>Region</label>
    <input type="text" id="region" placeholder="e.g. Auckland">

    <button onclick="submitRefi()">Run the Numbers</button>
  </div>

  <div id="confirmation">
    <strong>You’re In. 🔐</strong>
    <p>
      You’re locked in — we’ve got your answers.<br>
      If it’s within business hours, we’ll call you in the next 10 minutes.<br>
      If it’s outside hours or we’re on another call, you can book a time below that suits you best.
    </p>

    <div id="phone-confirm-wrapper">
      <label style="margin-top:20px; display:block; text-align:left;">Drop your number below so we can call:</label>
      <input type="tel" id="confirm_phone" placeholder="e.g. 021 123 4567">
      <button onclick="submitPhone()">Get My Call</button>
    </div>

    <div id="phone-dopamine">
      <strong>You’re Locked In.</strong>
      <p>Your details just landed on the desk of someone who knows exactly how to move the needle.</p>
      <p>You’ll get a call in 10 minutes — not a sales pitch, but a real plan based on your numbers.</p>
      <p>This is where most people stall. You didn’t. Let’s go.</p>
    </div>

    <p style="font-size: 14px; color: #ccc; margin-top:30px;">Prefer to book instead?</p>
    <a href="https://calendly.com/tyson-mortgageninja/5min" onclick="fireCalendlyEvent()" target="_blank" class="cta-button">
      🔕️ Book a Free Refi Call
    </a>
  </div>
</div>

<script>
  function fireCalendlyEvent() {
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      headers: { "Content-Type": "application/json" },
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  }

  function stripCommas(str) {
    return str.replace(/,/g, '');
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  function submitRefi() {
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      "name", "email", "loan_size", "interest_rate", "term_left",
      "property_value", "income", "credit_score", "employment_status",
      "refi_reason", "timeline", "region"
    ];

    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] = ["loan_size", "property_value", "income"].includes(id) ? stripCommas(field.value) : field.value;
      }
    });

    if (!isValid) {
      alert("Fill out all fields before continuing.");
      return;
    }

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      method: "POST",
      headers: { "Content-Type": "application/json" },
      body: JSON.stringify(payload)
    });

    document.getElementById("quiz-form").style.display = "none";
    document.getElementById("confirmation").style.display = "block";
    document.getElementById("confirmation").scrollIntoView({ behavior: "smooth" });
  }

  function submitPhone() {
    const phone = document.getElementById("confirm_phone").value;
    if (!phone) {
      alert("Chuck in your number so we can call you.");
      return;
    }

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      name: document.getElementById("name").value,
      email: document.getElementById("email").value,
      loan_size: stripCommas(document.getElementById("loan_size").value),
      interest_rate: document.getElementById("interest_rate").value,
      term_left: document.getElementById("term_left").value,
      property_value: stripCommas(document.getElementById("property_value").value),
      income: stripCommas(document.getElementById("income").value),
      credit_score: document.getElementById("credit_score").value,
      employment_status: document.getElementById("employment_status").value,
      refi_reason: document.getElementById("refi_reason").value,
      timeline: document.getElementById("timeline").value,
      region: document.getElementById("region").value
    };

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      headers: { "Content-Type": "application/json" },
      body: JSON.stringify(payload)
    });

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    document.getElementById("phone-dopamine").style.display = "block";
    document.getElementById("phone-dopamine").scrollIntoView({ behavior: "smooth" });
  }
</script>

Still unsure? That’s exactly what’s been holding you back.

No hit to your credit score. Checking won’t affect anything.
 No wasted time. Instant clarity—know where you stand in 60 seconds.
No obligations. See your options with zero commitment.

You’ve waited long enough. Take control now.

Why This Works (When Banks Don’t)

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.

