CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Bradford and West Yorkshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Bradford commercial property delivers 8.5% average yield with 28.5% five-year price growth.
Bradford ranks among the UK's strongest commercial property markets on both income and capital growth, a profile lenders treat favourably for SPV-led acquisitions.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
The factors lenders weigh when assessing Bradford commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Significant yield premium over Leeds. City of Culture 2025 driving investment. Strong industrial heritage conversion opportunities.”
, CMB Market Analysis
City Centre regeneration; One City Park; Bradford Live; Shipley transformation
The West Yorkshire regional briefing covering Bradford and the wider region. A Q2 2026 commercial property briefing on West Yorkshire, Yorkshire's financial and legal capital, anchored on Leeds, with the deepest auction dataset of any county in our coverage. We walk through twenty-six Acuitus lots, a bimodal yield distribution running from below one percent on Leeds reversionary income up to six and a half percent on the Bradford Wool Exchange, and the Leeds-versus-Bradford spread that defines the regional risk premium.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
541 commercial sales in Bradford across the last 60 months, sourced from HM Land Registry Price Paid Data. 3 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
South Side Of, Plot 7, Bolton Hall Road, Bradford
South Side Of, Plot 6, Bolton Hall Road, Bradford
Low House Farm, Low House Barn, Colston Drive, Burley Woodhead, Ilkley
Upper Bolton Conservative Club LTD, Sefton Place, Bradford
1, Thornbridge Mews, Bradford
11, Crestville Road, Clayton, Bradford
1280, Leeds Road, Bradford
Empire Direct, Sidings Close, Bradford
25, Mount Street, Bradford
470, Great Horton Road, Bradford
470, Great Horton Road, Bradford
11a, Hudson Avenue, Bradford
27, Halifax Road, Denholme, Bradford
9, Hampden Place, Bradford
1, Rawson Place, Bradford
Anzeck Plastics LTD, Florence Street, Bradford
8, Thornton Street, Burley In Wharfedale, Ilkley
The New Virginia, 85 - 87, Rushton Road, Bradford
11, Melbourne Place, Bradford
128, Undercliffe Road, Bradford
128, Undercliffe Road, Bradford
Cockersdale Works, Unit 1, Whitehall Road, Drighlington, Bradford
73, Godwin Street, Bradford
10, Market Street, Bradford
76 - 78, Hill Top Road, Thornton, Bradford
12 - 14, Adelaide Street, Bradford
53 - 55, Whetley Lane, Bradford
526, Huddersfield Road, Wyke, Bradford
526a, Huddersfield Road, Wyke, Bradford
86, Carlisle Road, Bradford
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.
Three core debt structures cover the majority of Bradford commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
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 ProfileWhat makes Bradford fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
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.
Good appetite for quality schemes. Industrial conversion and residential development favoured.
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.
Commercial property news for Bradford will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout West Yorkshire.
Commercial mortgage services available across Bradford and surrounding areas. View larger map
Recent sales, planning movement and market signals for Bradford, drawn from HM Land Registry data and local authority planning registers.
Change of use from nursing home (C2) to 13 bedroom House in Multiple Occupation (Sui Generis) at 3 First Avenue Bradford West Yorkshire BD3 7JG (13 units). Approved by City of Bradford.
Source: City of Bradford, ref 26/01342/FUL
Replacement windows and patio doors to 8No self-contained flats at 2 - 16 Sir Isaac Holden Place Bradford West Yorkshire BD7 1LY (8 units). Approved by City of Bradford.
Source: City of Bradford, ref 26/01555/FUL
HM Land Registry data shows 541 commercial property transactions in the Bradford area over the past 60 months, with a median sale price of £120k. Lender appetite tends to follow transaction evidence, so an active local market supports stronger valuations.
Source: HM Land Registry price paid data
HM Land Registry records the sale of Empire Direct, Sidings Close, Bradford for £5,724,427 in Q4 2025, one of 26 commercial transactions recorded in the Bradford area that quarter.
Source: HM Land Registry price paid data
Planning movement often signals upcoming finance demand. If you are buying, refinancing or developing in Bradford, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Bradford deals, covered in depth in our knowledge hub.
What lenders assess, who finds it easy, and how declined cases still get funded.
Deposit requirements by property type, acceptable sources, and ways to reduce yours.
The routes to 100% borrowing: additional security, strong trading businesses and equity.
High-street banks, challengers and specialists: who lends on what in West Yorkshire.
Leniency by lender category and product type, and what flexibility really costs.
Typical 2026 pricing by product, and what drives the rate you are offered.
Data-grounded answers about commercial property finance in Bradford, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 541 commercial property transactions in Bradford during the most recent reporting window. The median commercial sale price is £120,000, with the middle 50% of deals between £75,000 and £190,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Bradford is £120,000. Smaller end deals (lower quartile) sit around £75,000, while larger transactions (upper quartile) reach £190,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Bradford.
The most active commercial sectors in Bradford (by recorded transaction count) are: land (2 transactions), office (1 transaction). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class. Speak to our team for an indicative quote on the sector you are targeting.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Bradford. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access, including the high-street banks, challenger lenders and specialist commercial funders.
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Bradford. We will review the asset, sector, deal structure and lender appetite specific to Bradford and come back with an indicative rate, LTV and term within 24 to 48 hours.