At Clearwater, we offer



Mortgage Advice

About Us
Straight to mortgages
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Our COVID-19 Policy

We have remained open throughout the pandemic and we are able to arrange either video calls or telephone calls to ensure that you are receiving the best advice, and that we will always be available to help you.

Clearwater has been voted ‘Highly Commended’… again!

For the second year running, we’ve been awarded the coveted ‘Highly Commended’ position in the prestigious Natwest Mortgage Awards.

NatWest is using the awards to recognise broker firms that have gone beyond everyday expectations to put the customer and their local community at the heart of their business. These achievements have only been magnified by the impact of the pandemic.

NatWest Local Hero Awards 2019

In 2019, we were in the final of the Natwest Local Hero Natwest Local Hero Mortgage Awards. In 2020, we were granted the ‘Highly Commended’ award. This is a huge honour, and we’re very grateful to be considered. Read the full article here.


Clearwater is in the ‘Best Firm of Wales’ category

NatWest head of intermediary mortgages Graham Felstead said: “We are delighted to be hosting our initiative specifically aimed at recognising the hard work and commitment of mortgage adviser firms that have gone above and beyond expectations.”

“These firms have exemplified putting the customer and their local community at the heart of everything they do, in addition to providing sound financial advice for those consumers within their locality.”

Who are Clearwater?

Clearwater Financial Solutions offers professional Independent Mortgage Advice. We will make the process as stress free as possible, and all in a language that you can understand. We don’t just offer one financial product; we search the whole market ensuring we find the best mortgage for your circumstances.

From the beginning

Tracey Stones set up Clearwater in November 2003. With over 20 years’ experience Tracey started Mortgage Advising after qualifying in 1999. Since the initial set up the company has gone from strength to strength, resulting in progressive expansion.

Clearwater now provides Mortgage Advice to several different Estate Agents, with clients in Newport, Chepstow, and surrounding areas along with other areas across the UK.

The legal bits

The guidance contained in this website should not be construed as advice, is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.


We offer mortgages and insurance for all your needs:

We also offer advice on the “Help To Buy” application.


Home Movers

Buy To Lets


First Timers

First Time Buyers

5% Deposit Mortgages

New Build Mortgages


Buildings & Contents Cover

Landlord Insurance

Mortgage Protection

Life Cover

As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments.

The Clearwater Team

We’re a friendly team with a wealth of knowledge and experience behind us. Get in touch with any of us today and we’ll be happy to help as soon as we can.

Tracey Stones

Tracey Stones

Company Director

Sharon Roberts

Shanon Roberts

Office Manager

Jacqui Russell

Jacqui Russell

Mortgage Administrator

Nadia Al-Nasairi

Nadia Al-Nasairi

Mortgage Administrator

Find out more about the Clearwater Team



A minimum fee of £199 is payable on application of your mortgage. This will cover all aspects of arranging your mortgage and protection from application to completion.

Get in touch Today

From £199, we will

Arrange all aspects of your mortgage from start to finish

Cover all your insurance administration

Advise you on mortgage protection