Terms of Service
By submitting an enquiry or engaging LHA Holdings Limited trading as Creative Finance Consultants, you agree to these terms. Please read them carefully. For questions, contact project_review@creativefinanceconsultants.com before proceeding.
Terms of Service
1. Scope of Services
LHA Holdings Limited (the company), trading as Creative Finance Consultants, provides commercial property development Deal Reviews, feasibility reports, lender submission preparation and property capital introductions for business entities, and a separate fixed-fee Business Acquisition Appraisal for entities considering buying a business. We personally provide these consultancy services. The company is not a licensed financial adviser, mortgage broker or Financial Advice Provider (FAP), does not provide regulated financial advice and does not recommend specific financial products. All lending and investment decisions are made independently by licensed lenders and investors.
2. Free Enquiry, No Obligation
Submitting an enquiry through this website is free and creates no obligation on either side. No payment or card details are collected at enquiry. Any paid engagement is confirmed in writing (including by email) before any fee is payable.
3. Fees and Scope
Deal Review. A fixed-fee review of one project or site: a written review and a 30-minute walkthrough call, delivered within five business days from payment. The fee is NZD $950 + GST for New Zealand clients, AUD $950 for Australian clients, or USD $950 for US clients. We personally screen each enquiry and reply within two business days. If we cannot add value, you receive a short reason before payment and no fee is charged. A secure payment link is issued only after we confirm the project is a fit. The Deal Review excludes registered valuations, quantity surveying, legal or tax advice, and lender submission preparation, which are separate engagements. If you proceed, the paid Deal Review fee is credited in full, once, against either a subsequent feasibility report or a capital introduction fee.
Feasibility Reports. New Zealand fees: 2–4 units NZD $3,500 + GST; 5–8 units NZD $4,200 + GST; 8–12 units NZD $5,300 + GST; 12+ units NZD $7,500 + GST. The applicable scope and band are confirmed in a written quote. Australian clients are quoted in AUD and US clients in USD on enquiry. Fees are payable upfront, after scope and quote are agreed and before work begins. Services cover New Zealand, Australia and the United States only.
Business Acquisition Appraisal. Independent written analysis of one business the client is considering buying, plus a 30-minute walkthrough call. New Zealand fees by purchase price: under NZD $500,000 — NZD $3,500 + GST; NZD $500,000 to $1,500,000 — NZD $4,500 + GST; NZD $1,500,000 to $3,000,000 — NZD $6,000 + GST; above NZD $3,000,000 — quoted on scope. The written quote confirms scope, applicable band including boundary cases, and turnaround. Australian clients are quoted in AUD and US clients in USD with no GST added. Screening is free; we reply personally within two business days with an honest decline at no charge or confirmed scope and a written quote. A payment link is issued manually after scope is agreed; payment is upfront before analysis begins. The fixed fee is earned for the analysis whether or not the client proceeds with the purchase. The appraisal is not a registered business valuation for legal, tax or court purposes, not legal, accounting or tax advice, and not formal due diligence. It guarantees neither value, performance nor outcome. Clients should engage their own solicitor and accountant for independent due diligence. The service does not include finding or advertising businesses, introducing buyers to sellers, negotiating on a client’s behalf or arranging a purchase.
Deal Review credit for an appraisal. The paid Deal Review fee may also credit in full against a Business Acquisition Appraisal. The credit applies once only, against one subsequent engagement: a feasibility report, a Business Acquisition Appraisal or a property capital introduction fee, never multiple engagements and not LIM preparation. No appraisal fee credit-forward is offered.
New Zealand GST applies to New Zealand clients only. Services exported to non-resident clients outside New Zealand are zero-rated for NZ GST. No GST is added to Australian or US fees; the company is not registered for Australian GST.
Property Capital Introduction. Where a property capital introduction is agreed, the company’s fee is 1.5% payable on finance approval, plus GST for New Zealand clients; no GST is added for Australian or US clients. Part of that fee may be paid by the lender; any lender-paid amount is credited against the fee payable by you. The full arrangement is disclosed in writing before you proceed. This separate property service is not part of a Business Acquisition Appraisal.
Lender Information Memoranda (LIM). LIM preparation is quoted and agreed separately at the published market-specific starting prices. The indicative delivery time is 5–10 business days after complete documentation is received; the written agreement confirms timing and payment terms. Feasibility report delivery is confirmed in its written quote, not under the Deal Review’s five-business-day promise.
Nothing in these terms limits any rights you have under law that cannot be excluded, including under the Consumer Guarantees Act 1993 or Fair Trading Act 1986 where applicable.
4. Limitation of Liability
The company’s maximum aggregate liability to you under any engagement is limited to the fees actually paid by you under the relevant written agreement. Subject to rights that cannot be excluded by law, the company is not liable for indirect, consequential, incidental, special or punitive losses, including loss of profit or opportunity.
5. No Guarantee of Outcome
The company does not guarantee loan approval, loan terms, lender participation, investor interest, profit or any particular transaction outcome. Services are provided on a best-efforts basis. An illustrative sample is not evidence of completed work or funding obtained.
6. Client Obligations
You warrant that information supplied to the company is accurate, complete and not misleading. False or materially incomplete information may result in termination of services. You are responsible for obtaining independent legal and financial advice before entering into any loan, investment or engagement agreement.
7. Confidentiality
The company treats enquiry and engagement information as confidential. Processing by email, database and payment providers is described in the Privacy Policy. Project information is disclosed to a prospective lender or investor only with your written approval, except where disclosure is required by law.
8. Intellectual Property
Materials, templates, reports and documentation prepared by the company remain its intellectual property until applicable fees have been paid in full under the relevant written agreement.
Important Disclaimer
Not Financial Advice
LHA Holdings Limited trading as Creative Finance Consultants provides commercial consultancy and facilitation services only. The company is not a financial adviser or a licensed Financial Advice Provider (FAP) under the New Zealand Financial Markets Conduct Act 2013 and does not provide regulated financial advice or recommend specific financial products. A commercial review of possible funding, JV or exit pathways is not personal financial or investment advice. All lending decisions are made independently by licensed third-party lenders.
Service Limits
The company is not a lender, does not hold, manage or advise on investment funds, and does not make offers of securities or investment recommendations.
US Clients
LHA Holdings Limited trading as Creative Finance Consultants acts as an introducer and commercial facilitator only. All US lending is conducted by licensed US lenders. The company does not hold any US state lending licence, mortgage broker licence or securities registration.
Independent Advice
Clients should seek independent legal and financial advice before entering into any loan, investment or engagement agreement with the company.
Governing Law
New Zealand Clients
These terms are governed by the laws of New Zealand. Any dispute arising under these terms will be subject to the exclusive jurisdiction of the New Zealand courts.
International Clients
For clients located outside New Zealand, these terms are still governed by New Zealand law unless a separate written agreement specifies otherwise.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions continue in full force and effect.
Questions about these terms? Contact project_review@creativefinanceconsultants.com or write to LHA Holdings Limited, New Zealand. · NZBN: 9429052390173