Products

Funding structured around the deal

Every transaction is different. Tell us the asset, the timeline and the exit, and we'll structure it and place it with the right lender.

Property & private credit

Where most of our work sits — facilities secured by real property, for developers, investors and owners.

First Mortgage Finance

Facilities secured by a first registered mortgage over residential, commercial or industrial property — competitive terms with private lenders who assess on the asset.

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Construction & Development Finance

Staged funding structured around your build programme and drawn down as the project progresses — from small residential builds to multi-unit developments.

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Bridging Finance

Short-term funding to cover the gap — settle before you sell, secure a site quickly, or hold a position while longer-term finance is arranged.

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Cash-Out & Equity Release

Release equity held in property you already own and put it to work — fund the next acquisition, a build, or working capital, without selling the asset.

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Land & Subdivision Finance

Funding to acquire land, hold it through approvals, and see a subdivision through to titled lots.

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Business finance

We also write general business deals — all secured, all placed across our lender network.

Secured Term Loans

A property-backed lump sum with the works: bigger amounts, longer terms, and sharper rates than anything unsecured can offer.

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Lines of Credit

A secured facility you draw on when you need it — cover gaps, grab opportunities, and only pay interest on what you use.

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Equipment & Vehicle Finance

Machinery, plant, trucks and fit-outs — financed against the asset itself, so your working capital stays where it belongs.

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Invoice & Trade Finance

Stop waiting 30, 60, 90 days to get paid, and pay suppliers up front — bridge the gap between doing the work and banking the money.

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A note on how we lend: Cross Harbour Finance brokers secured finance only — every facility above is backed by property, an asset, or receivables. No unsecured loans. It's how our clients access larger amounts on sharper terms, without the pricing that comes with unsecured risk.

Not sure how to structure it?

That's the job. Pick your number on the dial, and when we call you back we'll work through the asset, the timeline and the exit — in plain English.

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Construction site of a building under development Handshake closing a deal