Commercial mortgages Bradford: buying and refinancing Bradford premises
Commercial mortgages in Bradford fund the purchase or refinance of business premises, from a shop or office to a warehouse, care home or mixed-use building. This page sets out what is specific to Bradford: the local business figures, the public funding open to you and which lenders on our panel cover your postcode.
“The whole process was very smooth and was completed within a few days.”
- Enterprises (ONS 2026)
- 17,195
- Under 10 staff
- 89.1%
- Top sector: health and social care
- 18.2% of jobs
- Regional fund (BBB)
- NPIF II
- Property tax
- SDLT
On this page
Where commercial mortgages fit the Bradford economy
The premises-led sectors that use commercial mortgages most account for 41.5% of employee jobs (2024) in Bradford: hotels, restaurants and food service (6.6%), wholesale, retail and motor trades (16.7%) and health and social care (18.2%). Great Britain: 35.7% (Nomis labour market profile: Bradford).
| Sector | Bradford share | Bradford jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 6.6% | about 13,100 | 7.8% | 0.85 |
| Wholesale, retail and motor trades | 16.7% | about 33,100 | 13.7% | 1.22 |
| Health and social care | 18.2% | about 36,000 | 14.2% | 1.28 |
Health and social care is the stand-out here at 1.28 times the national share. Care homes and clinics are specialist property, valued on how they trade; see care home finance.
Against its nearest neighbours in our data, those sectors are 41.5% of Bradford jobs, compared with 31.4% in Leeds and 40.2% in Rochdale.
Stamp Duty and costs on a Bradford purchase
Take an illustrative £330,000 purchase in Bradford. Stamp Duty Land Tax on non-residential property is charged in slices:
| Slice of the price | Rate | Tax |
|---|---|---|
| First £150,000 | 0% | £0 |
| £150,001 to £250,000 | 2% | £2,000 |
| £250,001 to £330,000 | 5% | £4,000 |
| Total | £6,000 |
GOV.UK says the return and payment are due within 14 days of completion, so the £6,000 belongs in the cash plan from the start.
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Commercial mortgages near Bradford
Straight-line distances from Bradford:
- Commercial mortgages Leeds (10 miles)
- Commercial mortgages Rochdale (20 miles)
- Commercial mortgages Oldham (25 miles)
- Commercial mortgages Bury (25 miles)
Lenders on our panel that cover Bradford
No commercial mortgage provider in our panel data (10 in all) excludes BD postcodes, so a Bradford business is compared against all of them.
Free business support in Bradford
If you are moving or expanding, West Yorkshire Business Growth Hub can point you to free advice and any local programmes for Bradford businesses taking on premises.
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Sources
Every figure above comes from one of these, checked on 18 October 2026. Lender coverage is from the criteria held for each lender on our panel.
We are a credit broker, not a lender. Fees depend on the lender, and there is nothing to pay upfront. This page is general information, not financial advice. Lenders set their own criteria, rates and terms, and all finance is subject to status.
Common questions
Does a BD postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude BD. Providers look at the building, its valuation and the trading business that will repay.
What our clients say
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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Our clients say
Trusted by UK businesses across every sector.
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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