Bradford, West YorkshireLocal lender appetite and market data

Specialist Commercial Mortgage Broker in Bradford

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.

£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

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.

Bradford commercial mortgage brokers, ex-bankers with direct lender access

CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial 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

Bradford commercial property market signals

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

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

Listen: West Yorkshire Q1 2026 commercial property briefing

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.

HMLR transaction evidence

Bradford commercial property transaction evidence

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.

Source sales
541
60-month window
Shown below
30
recent examples
Filter transaction evidence
All commercial transactions in Bradford
541transactions
Sample: showing 30 recent sales below
Land / PlotsQ4 2025

South Side Of, Plot 7, Bolton Hall Road, Bradford

Sale price
£42,500
Land / PlotsQ4 2025

South Side Of, Plot 6, Bolton Hall Road, Bradford

Sale price
£42,500
OfficeQ4 2025

Low House Farm, Low House Barn, Colston Drive, Burley Woodhead, Ilkley

Sale price
£1,150,000
CommercialQ1 2026

Upper Bolton Conservative Club LTD, Sefton Place, Bradford

Sale price
£137,500
CommercialQ1 2026

1, Thornbridge Mews, Bradford

Sale price
£313,000
CommercialQ1 2026

11, Crestville Road, Clayton, Bradford

Sale price
£240,000
CommercialQ1 2026

1280, Leeds Road, Bradford

Sale price
£600,000
CommercialQ4 2025

Empire Direct, Sidings Close, Bradford

Sale price
£5,724,427
CommercialQ4 2025

25, Mount Street, Bradford

Sale price
£250,000
CommercialQ4 2025

470, Great Horton Road, Bradford

Sale price
£395,000
CommercialQ4 2025

470, Great Horton Road, Bradford

Sale price
£395,000
CommercialQ4 2025

11a, Hudson Avenue, Bradford

Sale price
£160,000
CommercialQ4 2025

27, Halifax Road, Denholme, Bradford

Sale price
£400,000
CommercialQ4 2025

9, Hampden Place, Bradford

Sale price
£71,500
CommercialQ4 2025

1, Rawson Place, Bradford

Sale price
£165,000
CommercialQ4 2025

Anzeck Plastics LTD, Florence Street, Bradford

Sale price
£1,250,000
CommercialQ4 2025

8, Thornton Street, Burley In Wharfedale, Ilkley

Sale price
£190,000
CommercialQ4 2025

The New Virginia, 85 - 87, Rushton Road, Bradford

Sale price
£110,000
CommercialQ4 2025

11, Melbourne Place, Bradford

Sale price
£600,000
CommercialQ4 2025

128, Undercliffe Road, Bradford

Sale price
£65,000
CommercialQ4 2025

128, Undercliffe Road, Bradford

Sale price
£174,000
CommercialQ4 2025

Cockersdale Works, Unit 1, Whitehall Road, Drighlington, Bradford

Sale price
£746,500
CommercialQ4 2025

73, Godwin Street, Bradford

Sale price
£247,500
CommercialQ4 2025

10, Market Street, Bradford

Sale price
£1,100,000
CommercialQ4 2025

76 - 78, Hill Top Road, Thornton, Bradford

Sale price
£245,000
CommercialQ4 2025

12 - 14, Adelaide Street, Bradford

Sale price
£402,000
CommercialQ4 2025

53 - 55, Whetley Lane, Bradford

Sale price
£275,000
CommercialQ4 2025

526, Huddersfield Road, Wyke, Bradford

Sale price
£130,000
CommercialQ4 2025

526a, Huddersfield Road, Wyke, Bradford

Sale price
£85,000
CommercialQ4 2025

86, Carlisle Road, Bradford

Sale price
£450,000

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.

Bradford commercial mortgages, bridging loans and development finance

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.

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 Remortgage

Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan.

From £150,000Up to 75% LTV5-25 years (typical 5-year fixed reverting to variable)

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.

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Bradford commercial property investment fundamentals

What makes Bradford fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.

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.

Need a commercial mortgage decision in Bradford?

Our team will review your asset, sector and structure against current Bradford lender appetite and come back with an indicative rate, LTV and term within 24–48 hours. No application until you're ready.

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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Bradford Location

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

Bradford commercial mortgage FAQ

Data-grounded answers about commercial property finance in Bradford, sourced from HM Land Registry transactions and our own deal flow.

How active is the commercial property market in Bradford?

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).

What is the typical commercial property price in Bradford?

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.

Which commercial property sectors are most active 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.

Can I get a commercial mortgage on a property in Bradford?

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.

How do I get a commercial mortgage quote for a property in Bradford?

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 24–48 hours.

Ready to discuss your Bradford project?

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