Preheat oven to 350 F and grease and flour a 9x5 loaf pan.
In a small bowl, combine milk, heavy cream and lemon juice and set aside.
In a medium bowl, whisk together flour, baking powder, salt, baking soda, ginger and cinnamon. Set aside.
In mixer bowl, combine butter and sugar and beat on medium-high for 2 minutes. Turn mixer down to medium and beat in eggs, one at a time, beating well after each addition. Add vanilla and mashed bananas and beat until combined.
Turn mixer down to low and add the flour mixture and milk mixture alternatively (flour, milk, flour, milk, flour). Do not over mix.
Stir in pecans, raisins and dried cranberries.
Pour batter into prepared pan. Place pan on a baking sheet and bake in preheated oven for 45-60 minutes.