Bradford, West Yorkshire

Commercial Mortgages in Bradford

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Bradford and West Yorkshire.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£125
Avg Price/sq ft
8.5%
Average Yield
+28.5%
5yr Price Growth
+19.8%
5yr Rental Growth

Investment Hotspot

8.5% average yield

Bradford stands out with above-average yields of 8.5% and strong 5-year price growth of 28.5%, making it one of the UK's most attractive commercial property markets for investors.

Why Choose CMB in Bradford

Direct relationships with executives and board members of the UK's leading lenders

Ex-Banking Background

Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out

Board-Level Access

Direct relationships with lender decision-makers for faster approvals and better terms

£300M+ Track Record

Proven success arranging complex commercial property finance across the UK

Areas we cover:City CentreLittle GermanyShipleyIlkleyBingleyKeighley

Bradford Local Market Intelligence

Significant yield premium over Leeds. City of Culture 2025 driving investment. Strong industrial heritage conversion opportunities.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Textiles
  • Technology
  • Healthcare
  • Higher Education
  • Financial Services

Transport Links

  • Bradford rail stations
  • Leeds Bradford Airport
  • M62 motorway

Regeneration

City Centre regeneration; One City Park; Bradford Live; Shipley transformation

Bradford Commercial Property Market Data

Commercial Property Values in Bradford

Property TypePrime / Grade ASecondaryMarket Range
Office£20 psf£14 psf£14 - £20 psf
Retail / Shop£60 psf£20 psf£20 - £60 psf
Industrial£7 psf£5 psf£5 - £7 psf

Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.

Investment Yields in Bradford

Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.

Bradford Market Trends

Office Vacancy
Falling
Industrial Demand
Moderate
Retail Footfall
Stable
Residential Investment
Moderate
Dominant sector:Industrial & Logistics

The Bradford market shows positive momentum with yields compressing slightly against regional averages.

Recent Commercial Property Transactions in Bradford

Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.

OfficeQ1 2026

Grade B office building, Shipley

11,444 sq ft
£152,000 - £168,000
£14 psf7.4% yield
RetailQ1 2026

High street retail unit, Shipley

1,481 sq ft
£93,000 - £103,000
£66 psf6.3% yield
IndustrialQ1 2026

Modern industrial unit, trade estate

31,088 sq ft
£207,000 - £228,000
£7 psf5.9% yield
Mixed-UseQ1 2026

Commercial/residential investment, Shipley

7,129 sq ft
£1,300,000 - £1,437,000
£192 psf6.4% yield
Care HomeQ1 2026

40-bed nursing home with planning consent, Shipley

40 beds
£1,965,000 - £2,175,000
6.7% yield
Residential BlockQ1 2026

14-unit freehold block of flats, Shipley

14 units
£2,245,000 - £2,480,000
7% yield
Development SiteQ4 2025

Land with outline planning permission, Shipley

20 units
£165,000 - £180,000

Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.

Our Services in Bradford

Commercial Mortgages

Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures.

From £50,000Up to 75% LTV5-25 years

Commercial Bridging Finance

Fast, flexible short-term finance for commercial property transactions — decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.

From £50,000Up to 75% LTV1-18 months

Development Finance

Specialist funding for ground-up construction, major refurbishment, and mixed-use development projects — structured with staged drawdowns aligned to your build programme.

From £150,000Up to 75% LTV6-24 months
ML

Matt Lenzie

Founder & Principal Broker

With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Bradford. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.

View Full Profile

Why Bradford for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 8.5% across the local market
  • 28.5% property price growth over the past five years
  • 19.8% rental growth over five years supporting income returns
  • Strong occupier demand from Manufacturing and Textiles sectors
  • Excellent transport connectivity including Bradford rail stations
  • Active regeneration programmes driving future capital growth

Development Opportunities

Bradford presents development opportunities linked to City Centre regeneration. Growing demand from the Manufacturing sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.

Lender Appetite

Good appetite for quality schemes. Industrial conversion and residential development favoured.

Property Types We Finance

Industrial UnitsFactory SpaceOffice SpaceServiced OfficesData CentresMedical/Dental PracticesCare HomesCommercial Units

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Bradford and the wider West Yorkshire region, from industrial unit purchases to development and refurbishment projects.

Why Invest in Bradford

Bradford is a major West Yorkshire city with rich industrial heritage and significant regeneration potential. The commercial property market benefits from strong demand across Manufacturing, Textiles, Technology sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 8.5% and 28.5% price growth over five years, Bradford offers compelling returns for commercial property investors. Excellent connectivity via Bradford rail stations supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including City Centre regeneration, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

Market polarisation between prime city centre and secondary suburban locations creates a two-speed market. Investors must navigate varying local authority approaches to planning and development contributions.

Notable Developments

Bradford's commercial property landscape has been shaped by City Centre regeneration. Growth in the Manufacturing sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

Planning policy in Bradford is set by West Yorkshire council through its adopted local plan. The authority supports commercial investment and has allocated sites for employment and mixed-use development. Pre-application advice is available and recommended for larger schemes to navigate local requirements efficiently.

Latest Commercial Property News in Bradford

Commercial property news for Bradford will appear here once available. Check back soon for the latest market updates.

Bradford Commercial Mortgage Calculator

Pre-populated with local market data

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Interest-only estimate. Actual terms subject to lender assessment.

Bradford Location

Commercial mortgage services available across Bradford and surrounding areas. View larger map

Bradford Commercial Property FAQ

What is the average office rent per square foot in Bradford?

Office rents in Bradford range from approximately £14 per square foot for secondary space up to £20 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £17 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Bradford?

Investment yields in Bradford vary by property type and grade. Current indicative yields are: offices at 6.46%-7.39%, retail at 6.04%-8.91%, industrial at 6.35%-7.9%, residential single-let at 6.99%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.

What types of commercial property are available in Bradford?

Bradford's commercial property market includes offices, retail units, industrial premises, residential investment blocks, care homes. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

How much does a residential investment block cost in Bradford?

Residential investment blocks in Bradford typically trade at around £160,510 per unit, or approximately £292 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 6.99%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

What is the average price per bed for care homes in Bradford?

Care homes in Bradford typically trade at around £49,975 per registered bed. A typical 55-bed home would therefore be valued between £1,000k and £3.0m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.

Ready to discuss your Bradford project?

Speak with our specialist team today and get a decision in principle within 48 hours.