Clearwater could be the 'best mortgage firm in Wales'

NatWest head of intermediary mortgages Graham Felstead said: “We are delighted to be hosting our NatWest Local Hero Mortgage Awards 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."

We are very thankful for all you've done

"Tracey worked wonders with us by arranging our mortgage. A week before we were due to complete the mortgage company removed the product. We thought it would be weeks for us to get something else sorted, but Tracey got a mortgage in place for us so that we could complete a few days later! Could not believe it as buying a new build was stressful enough as it is. We are very thankful of all that you’ve done for us and will not hesitate to use you in future. We will highly recommend you to all our family and friends"

Geraint Saunders

It has genuinely been a pleasure

Working with Tracey and her dedicated team at Clearwater F S has been such a great experience from start to finish. Customer Service was professional and prompt at all times, and importantly, the time taken to ensure that we were kept up to speed with progress at all times was very much appreciated. We felt included throughout, and no question was too small for the team to explore on our behalf. It has genuinely been a pleasure to have our mortgage dealings in their hands - a team that you can trust and who we would recommend to all our friends and family.


Can I only give five stars?

“Well where do I start, right from my first meeting with Tracey it was plain sailing, she very quickly sorted me out with a mortgage that both suited my needs and my pocket. Would I recommend Clearwater Financial Services, well, I will be going back. Can I only give five stars, wish I could give more. Thank you so much, Ian”

Ian Haley

I cannot recommend enough

“I had the pleasure of discovering this company. Tracey and team could not be more committed to helping you. On many occasions, she contacted me and helped to organise things that were nothing to do with them. They respond quickly, and offer to help with anything they can. I cannot recommend them enough, for anything you require. Thank you so much all of you.”

Andrew Wishart
North Lanarkshire

Thank you so so much

“Thank you so so much Tracey and Johanna for all your hard work in arranging my mortgage. I certainly didn't make it easy for you. You were friendly, professional, patient and fast working - will certainly recommend you to others. Thanks again Jodie xxxx”

Jodie Banner

I definitely recommend

“I just want to say a massive thankyou to Tracey and her team for helping me remortgage my home. All queries were answered quickly, she had so much knowledge of the market and I am really pleased with the deal she got us. I definitely recommend.”

Vicki Stones

Had complete trust in Tracey

“Very professional and extremely helpful. We were first time buyers and weren't familiar with the whole house buying process but had complete trust in Tracey. Been in almost a year. Thank you!”

Isabella Sophie Leadbetter

Made the process of moving easy

“Highly recommend Tracey at Clearwater. Always very helpful and professional, Tracey explained everything in detail and made the process of moving easy. Thank you so much to everyone at Clearwater.”

Carina Halley

Absolutely great service

“Absolutely great service and help with the whole process. Made it so easy as a first time buyer. Thanks everyone!”

Tom Chorley

Will definitely recommend!!

“Tracey helped us with our remortgage. She was helpful, knowledgeable and professional throughout. Will definitely recommend!!”

Kevin Harford

An excellent financial service

"Clear and uncomplicated advice delivered with confidence. An excellent financial service; highly recommended."

Lucy McManus

We offer mortgages for all your needs:

We also offer advice on the "Help To Buy" application.


  • Home Movers
  • Buy To Lets
  • Remortgages

First Timers

  • First Time Buyers
  • 5% Deposit Mortgages
  • New Build Mortgages