LHA Holdings Ltd  ·  New Zealand & United States

Construction Finance. Structured Right.

We prepare, package, and submit complex construction and property finance applications for developers and investors across New Zealand and the United States.

37,000+ Community Members NZ & US Markets Construction Finance Specialists Application Facilitation Experts

What We Do

From documentation assembly to lender introduction, we handle every stage of the application process.

01

Application Preparation

We handle the entire documentation package — valuations briefs, QS summaries, title confirmation, and lender submission formatting.

02

Lender Introduction

Once your application is complete and approved, we introduce you to our network of specialist lenders suited to your project profile.

03

Ongoing Support

We remain your point of contact throughout the process, managing communications and ensuring your application progresses to settlement.

Who We Work With

New Zealand Clients

  • Residential construction finance
  • Commercial development funding
  • Funding gap solutions
  • Land and subdivision finance

United States Clients

  • Asset-based lending
  • Stated income programs
  • Purchase & refinance
  • Cash out solutions
  • Bank turndown solutions
  • Residential up to $5M
  • Commercial up to $7M

The Process

Complete Questionnaire

Fill out our detailed application form below. This takes approximately 10 minutes.

Fee Agreement & Signature

Review and digitally sign our Consulting & Application Facilitation Agreement and pay the consulting fee.

Application Package Prepared

Our team assembles your complete application package within 5–10 business days.

Lender Introduction & Submission

Upon lender match confirmation, we introduce you to the most suitable lender and submit your application.

We are a consulting and facilitation service. We do not provide regulated financial advice. All lending decisions are made by independent licensed lenders.

Consulting Fee Schedule

Loan Amount Consulting Fee Example
$300,000 – $999,999 2.0% $10,000 on $500K
$1,000,000 – $1,999,999 1.5% $15,000 on $1M
$2,000,000 and above 1.0% $20,000 on $2M

This fee covers all documentation preparation, lender research, application packaging, and lender introduction services. It is payable upon submission of your completed application. No refunds once the application has been submitted to a lender.

Apply Now

Complete the form below to begin your application. All information is handled securely and confidentially.

1. About You
2. Your Project
3. Finances
4. Agreement
5. Review & Pay

About You

Tell us a little about yourself so we can get in touch.

Please enter your full legal name.
Please enter a valid email address.
Please enter your phone number.
Please select your country.

Your Project

Tell us about the property and finance requirement.

Please select a project type.
Please enter an estimated property value.
Please provide the property address or description.
Minimum loan amount is $300,000.
Please describe the loan purpose.
Please describe your exit strategy.

Financial Position

Help us understand your current financial situation so we can find the right lender.

Please select an option.
Please select your credit situation.
Please select an option.
Please select a timeline.

Fee Agreement & Signature

Please read the agreement carefully, confirm the checkboxes, and sign below.

Consulting & Application Facilitation Agreement

This agreement is between LHA Holdings Ltd trading as Creative Finance Consultants ("the Consultant") and the applicant named in this form ("the Client").

SERVICES

The Consultant agrees to provide the following services: (a) Review and assessment of the Client's project and finance requirements; (b) Preparation and formatting of a complete loan application package; (c) Research and identification of suitable lenders from the Consultant's network; (d) Introduction of the Client to a suitable lender upon completion of due diligence; (e) Ongoing communication support throughout the application process.

IMPORTANT NOTICE

The Consultant is NOT a registered financial adviser, mortgage broker, or licensed Financial Advice Provider (FAP) under the New Zealand Financial Markets Conduct Act 2013. The services provided are consulting and facilitation services only. The Consultant does not provide regulated financial advice. All lending decisions are made independently by licensed lenders. Clients are encouraged to seek independent financial advice.

CONSULTING FEE

The Client agrees to pay the consulting fee calculated as follows:

• Loan amounts $300,000 to $999,999: 2.0% of requested loan amount
• Loan amounts $1,000,000 to $1,999,999: 1.5% of requested loan amount
• Loan amounts $2,000,000 and above: 1.0% of requested loan amount

The consulting fee for this application is: based on a requested loan amount of .

This fee is payable at the time of submitting this application and is non-refundable once the Consultant has commenced preparation of the application package.

REFERRAL DISCLOSURE

The Consultant may receive a referral fee from lenders in its network upon successful loan settlement. This is in addition to the consulting fee paid by the Client. The Consultant will disclose the identity of any lender to which the application is referred prior to submission to that lender.

LENDER DISCLOSURE

The Consultant works with a network of specialist lenders in New Zealand and the United States. Specific lender details will be provided to the Client at the point of referral, after the application package has been completed.

JURISDICTION

For New Zealand clients, this agreement is governed by New Zealand law. For United States clients, this agreement is governed by the laws of the state in which the subject property is located.

PRIVACY

All personal information collected is handled in accordance with our Privacy Policy. Client information will not be shared with any third party until the Client has received and approved the lender referral in writing.

NO GUARANTEE

The Consultant does not guarantee loan approval. Facilitation services are provided on a best-efforts basis.

DISPUTE RESOLUTION (NZ clients)

Any disputes will be referred to mediation under the New Zealand Arbitration Act 1996 before any court proceedings are commenced.

Sign below to confirm your agreement

Review & Payment

Please review your details below and complete payment to submit your application.

Consulting Fee Due

About You

Your Project

Financial Position

Payment processed securely via Stripe. Your application will be submitted upon successful payment.

By submitting you confirm agreement to the terms signed in Step 4. Fee is non-refundable once application preparation has commenced.

Application Received

Your consulting fee has been received and your engagement letter has been sent.

Our team will review your application and be in touch within 2 business days. Please check your inbox (and spam folder) for your engagement letter.

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