Hello, I'm from Bradford, born and bred, 49 years and counting.
Before I start - my car insurance was £167 for this year which I was very happy with.
I have always championed Bradford. I love the place and always have done. However there is no denying that it has gone downhill over the last few years. It's a young city with few opportunities, but you've got a job in Leeds so that doesn't matter.
Look on Right Move or wherever for flats. If they are cheap, they will not be in nice areas. Each postcode area will have separate districts that are nicer than others - for example, BD10 - Thackley is nice, but Thorpe Edge not so nice.
I'd avoid anywhere in West Bradford as the transport links to Leeds are dreadful from there. I'm in West Bradford and there's no bus up here from the Town Centre after 9.30.
If I was working in Leeds, I'd definitely be looking somewhere that there is a train station so Saltaire, Bingley, Baildon. You would mostly be able to avoid Bradford proper and the City Centre living around there - you wouldn't want to shop in Bradford if you're only a train ride from Leeds. If you are driving, see what google maps suggests for time and add about half an hour on. The M62 is always awful, at least once a week your journey will be longer due to roadworks or accidents.
(A young lad I used to work with was commuting to Bradford from Doncaster and he ended up buying a house in Bramley (Leeds); he worked in Bradford and his girlfriend worked in Leeds).
The Town Centre is being made smaller and pedestrianised and I think once it is done it will be really nice, I just hope businesses will invest and move here as there are a lot of empty units.
Traffic is awful. I hate having to go out in rush hour. It is over run with cars and choked with traffic and the standard of driving is absolutely awful, bordering on anti-social and generally disrepectful.
Bradford is extremely multi-cultural. Everyone thinks of Pakistanis when they talk about multi-culturalism in Bradford but there are a lot of Czechs and Slovaks. There's not a huge problem with street gangs though which Leeds and Huddersfield have issues with.
There's huge problems with blatant drug dealing in broad daylight and lots of cannabis grows cropping up (no pun intended) in empty houses. Police do act but when it's as endemic as it is they can only do so much.
Bradford Council are absolutely inept. I don't have any more words for them.
Getting an NHS dentist is nigh on impossible around here.
GP Practices are always over burdened.
I can't comment on schools because my kids are adults now.
Have a look on the West Yorkshire Police website for crime statistics for that area and a feel for how safe it is.