Why Cross Harbour Finance exists
Property deals run on timing. A site comes up, a settlement date moves, a build hits a stage payment — and the funding needs to keep pace. Banks rarely do. They take weeks to assess, apply the same template to every deal, and say no to plenty that make perfect commercial sense.
Cross Harbour Finance is a boutique Australian brokerage built around that gap. We originate and structure lending secured by real property — first mortgage, construction, bridging and cash-out facilities — and place it with private lenders who assess the asset and the exit rather than a scorecard.
How we work
You get one point of contact from the first call through to settlement. We take the time to understand the asset, the timeline and how the facility gets repaid, then structure the transaction before it goes anywhere near a lender — because a well-structured deal gets better terms than a well-shopped one.
We broker secured finance only, whether that's a development facility or a straightforward equipment loan for a business client. No unsecured lending. And there's never an obligation: you see the options, you decide, every step.
