Natalie Coward CeMAP

Mortgage Adviser

Contact

01204 300010

natalie.coward@groupifa.co.uk

01204 300010

natalie.coward@groupifa.co.uk

Natalie's qualifications

CeMAP – Certificate in Mortgage Advice and Practice

About Natalie

With over 30 years of experience in the mortgage industry, Natalie brings a wealth of knowledge, expertise and genuine passion for helping people make one of life’s most important financial decisions.

Throughout her career, she has helped countless individuals and families navigate the mortgage process, building lasting relationships along the way. She believes that no two clients are the same and takes great pride in getting to know each person, understanding their circumstances and finding solutions that are right for them.

As a qualified independent mortgage adviser, Natalie combines her extensive industry experience with a friendly, approachable and down-to-earth manner. She understands that buying a home, moving house or arranging a remortgage can sometimes feel daunting, so she is always on hand to offer clear guidance, honest advice and reassurance at every stage.

Her personal approach, attention to detail and commitment to looking after her clients have been at the heart of her success over the past three decades. For Natalie, it’s not simply about arranging a mortgage; it’s about making people feel comfortable, confident and supported throughout the journey.

Whether helping a first-time buyer take their first steps onto the property ladder, supporting a family with their next move or helping an existing homeowner find a better mortgage deal, Natalie is passionate about making the process as smooth and stress-free as possible.

The staff are all professional, approachable and respond to queries very quickly.

Julian Roebuck, MD at Gresham Office Furniture Ltd

Due to their proactive approach I have regular contact from Phil and the team, in addition to direct remote access to my portfolio via a secure web-portal

Ian Munro, CEO at CRG

Our team

Female Advice Team Head office Leeds Chester

Carol Aspinall FCCA

Accounts Manager

Carol is a Chartered Fellow and Certified Accountant with over 40 years’ extensive experience in her field

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Alicia Banks

Client Services Administrator

Alicia joined Rosebridge in January 2024 and is keen to develop her skills within an ever-growing industry.

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Steven Banks APFS, CFP™ Chartered FCSI (Financial Planning)

Managing Director

Having worked in professional services for over 20 years, Steven brings an extra dimension to his client work

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Stacey Batley

Office Manager

Stacey has over 30 years experience in the financial services profession

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Joe Beavis BA (Hons), APFS

Chartered Financial Planner

Joe joined Rosebridge in 2020, achieved Chartered status in 2024, and is now a Financial Adviser supporting clients and creating financial plans.

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Daniel Bristow BA (Hons), DipPFS

Client Services Administrator

Daniel has built a strong foundation in financial services, combining academic knowledge with practical experience.

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Louise Burke MA (Hons)

Marketing Specialist

Louise joined Rosebridge in 2024 as a Marketing Specialist, focusing on digital marketing, events, PR, and copywriting.

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Scarlet Conway BA (Hons)

Scarlet Conway

Scarlet has almost five years of Paraplanning experience and is working towards her financial planning qualifications.

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Adam Cooper BSc (Hons), DipPFS, Cert CII (SMP)

Financial Planner

Adam is a qualified Financial Planner, bringing close to 15 years of experience in the finance sector.

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Natalie Coward CeMAP

Mortgage Adviser

Natalie is an independent adviser with over 20 years’ experience

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James Donnelly DipPFS

Client Relationship Manager

James brings extensive experience in financial advice and banking to his role as a Client Relationship Manager at Rosebridge.

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Gareth Griffiths BSc (Hons), DipPFS

Managing Director

Gareth was a professional footballer for 14 years prior to entering financial services

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Lewis Harrison BSc (Hons), DipPFS

Client Relationship Manager

Lewis joined the team in 2023, achieving his Diploma in Financial Planning in August 2024.

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Jonathan Heald APFS

Chartered Financial Planner

Jonathan has more than 20 years’ experience in financial services

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Oliver Hopkinson

Trainee Client Relationship Manager

Oliver is a Trainee Client Relationship Manager with a keen interest in financial planning and a goal to achieve Chartered Adviser status.

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Suzanne House

Client Services Administrator

After over 20 years experience in the corporate world, Suzanne joined the team in April 2022

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Tess Kennedy BA (Hons)

Trainee Client Relationship Manager

Tess is developing her expertise in financial planning while working towards her Diploma in Regulated Financial Planning.

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Simon Langdon APFS

Chartered Financial Planner

Simon thrives on working on complex client circumstances with an analytical approach

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Andrew Lee BA (Hons), APFS

Chartered Financial Planner

Andrew is one of the first home grown advisor within the business and has achieved Chartered Status

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Nicole Macdonald

Client Services Administrator

Nicole brings over 20 years of financial services experience and is progressing her career into Paraplanning.

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Amanda Mason

Client Services Administrator

Amanda has over 27 years’ experience within a Financial Services environment

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Tracy Matthews BA (Hons)

Client Services Administrator

Tracy joined Rosebridge in 2025 and is keen to develop her skills in the financial services industry.

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Jessica McIlveen-Hayman BSc (Hons), DipPFS

Financial Planner

Jess is a Financial Planner at Rosebridge, providing clear and practical financial advice.

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McKernan Coulter BTEC HND, DipPFS

Paraplanner

McKernan has worked in Financial Services since 1994 and now helps support clients with reviews and investment research.

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Chris Morley BA (Hons), DipPFS

Client Relationship Manager

Chris joined the business in 2022, holds his CII Diploma in Regulated Financial Planning, and is working towards Chartered status.

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Annette O’Donovan

Client Services Administrator

Annette joined Rosebridge in 2020 and has over 28 years’ experience working within Financial Services

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Sinead O’Rourke BA (Hons)

Client Relationship Manager

Sinead has worked in the financial industry since 2014 and joined the team in August 2023

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Jane O’Hara FPFS

Head of Strategic Growth

Jane is a Fellow of the PFS and is STEP affiliated with over 20 years’ experience.

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Shanay Pereira BA (Hons)

Client Services Administrator

Shanay has a degree in Business and Economics and supports Rosebridge Advisers while working toward her R0 exams.

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Andy Perrett BA (Hons)

Client Relationship Manager

Having been in the financial services industry since 2016 working as a Client Relationship Manager, Andy joined Rosebridge in 2022

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David Reece APFS

Senior Client Relationship Manager

David has 20 years of technical knowledge and experience working within financial services

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Phil Rose MSc, APFS

Group Chief Executive Officer

Phillip holds a MSc in Financial Services and Business Management researching investors behavioural tendencies

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Scarlett Stafford-Naylor LLB (Hons)

Client Services Administrator

Scarlett supports the team with client administration and meeting preparation.

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Chris Swaby BA (Hons), APFS

Chartered Financial Planner

Chris has been working within the Group since 2009 and is now a Chartered Financial Planner

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Richard Taylor BSc (Hons), APFS

Chartered Financial Planner

Richard is a Chartered Financial Planner with over 20 years’ experience, focusing on high-net-worth clients and business owners.

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Nina Turnbull BA (Hons)

Client Services Administrator

Nina is a highly organised and client-focused professional with a passion for delivering exceptional service.

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Kathryn Wallwork BA (Hons)

Group Head of Operations

Kathryn has over 18 years’ experience in the financial services industry

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Michael Wharton DipPFS

Financial Planner

Michael joined Rosebridge in 2017, now with 25 years’ experience in financial services, 15 years' as an adviser

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Tim Wood

Group Head of Business Risk

Tim has over 35 years’ experience in financial services and is responsible for Risk Mitigation at Group IFA.

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    Rosebridge® is a trading style of IFA (North) LLP, Pro Sport® Wealth Management Ltd, Stonebridge Wealth Management Ltd and Independent Financial Advisor Limited.  IFA (North) LLP, Pro Sport® Wealth Management Ltd and Stonebridge Wealth Management Ltd are all appointed representatives of Independent Financial Advisor Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No 05246224. Registered address: The Grants, 11 Market Place, Ramsbottom, Bury, BL0 9AJ.

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