The broker who picks up the phone

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.

Meet Pierre

If you run a small business, Pierre has sat exactly where you're sitting.

He spent ten years in hospitality — first managing, then owning and operating venues in Maroubra and Rose Bay. Payroll on Tuesday. Suppliers on Friday. A quiet month nobody budgeted for, and the equipment that fails in the week you can least afford it. He ran two sites through all of it: setting and holding COGS targets, negotiating with suppliers, hiring and keeping staff, and building the systems that kept the doors open and the business profitable.

That is what he brings to broking. He has read the same bank letters, waited on the same slow approvals, and been knocked back by people who had never set foot in the business they were assessing. He knows what a week's delay costs when a settlement or a supplier won't wait.

A Macquarie University commerce graduate majoring in economics, Pierre started Cross Harbour Finance to be the broker he wanted when he was the one applying — someone who picks up the phone, understands what the numbers actually mean, and gives you a straight answer early rather than a slow no.