Testimonials
Here’s what our happy clients have said about us:

Clearwater Financial Solutions 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.”
Posted on Claire SeylerTrustindex verifies that the original source of the review is Google. I found Tracey at Clearwater Financial Solutions after I lost confidence in the advisor I had been using. I had quite a complicated mortgage to arrange, and Tracey was quick to respond, very reassuring and able to explain each stage clearly. I would definitely use them again and would happily recommend their services.Posted on Rachel OrchardTrustindex verifies that the original source of the review is Google. Tracey and her team are absolutely fantastic. Nothing was too much trouble, and despite lots of changes to our plans over the last few months, Tracey has gone above and beyond to make sure the best rates were secured. Upon completion of two separate mortgages in just two months, we had the most beautiful welcome gift for our new home. We are so grateful to have you as our advisor, and will recommend you to all family and friends. Thanks again for looking after us so wellPosted on Martha CliffTrustindex verifies that the original source of the review is Google. We have had the most incredible experience working with Tracey at Clear Water Financial Solutions. From the very beginning, she has been nothing short of exceptional. Her communication was consistent, clear and genuinely reassuring throughout the entire mortgage process, we always knew exactly what was happening, what to expect next and why. Tracey worked tirelessly to find us the best possible rates and options, and she moved with impressive speed at every stage. We were never left waiting or wondering. Every question we had (and there were plenty!) was answered quickly, patiently and in a way that made everything easy to understand. Her support made this whole journey feel manageable and far less stressful than we ever expected. We truly couldn’t have got through the mortgage process without her expertise, dedication, and kindness. I honestly couldn’t recommend Tracey or Clear Water Financial Solutions more highly if I tried. If you’re looking for someone who is knowledgeable, proactive, and genuinely invested in helping you, Tracey is outstanding. Thank you so much - Martha and Bob.Posted on Habiba ATrustindex verifies that the original source of the review is Google. As a first-time buyer, I had no clue what I was doing when trying to buy my first home. Tracey at Clearwater was very helpful from start to finish. Everything was handled swiftly by Clearwater Financial Solutions. Response times are always quick with incredibly efficient service. 10/10, definitely recommend.Posted on Lloyd BennettTrustindex verifies that the original source of the review is Google. Tracey helped us sort our first mortgage. As a first time buyer it was quite a daunting experience but Tracey was brilliant and walked us through step by step and was really understanding. Always had our best interest at heart - couldn’t recommend her enough.Posted on Nicola DevonshireTrustindex verifies that the original source of the review is Google. Tracey and the team are very approachable and helpful. My husband and I have been customers of Clearwater Financial Services for approximately 20 years and the expertise is second to none. Really recommend the services provided.Posted on Carina HalleyTrustindex verifies that the original source of the review is Google. From start to finish, Tracy was always there to answer our questions and keep us fully up to date. She offered professional advice throughout, while also being incredibly friendly and supportive. It’s clear that Tracy is truly passionate about helping people find the best mortgage rates, and she genuinely cares about her clients. The whole process felt so much easier with her guidance and reassurance. My husband and I wouldn’t go anywhere else and would highly recommend her to anyone looking for a mortgage advisor.Posted on Aimee PainterTrustindex verifies that the original source of the review is Google. I can’t recommend Tracey Stones at Clearwater Financial Solutions enough. She has helped me several times over the years with home purchases, and every time she has been fantastic from start to finish. Buying a house can be stressful, but Tracey always makes the process feel so much easier. She explains everything clearly, keeps you updated, and makes sure you feel confident about what’s happening. Her knowledge and experience really show, and you always feel like you’re in safe hands. What really stands out about Tracey is how much she genuinely cares. She has gone above and beyond for me more than once, putting in extra time and effort to make sure everything worked out the way it should. Nothing ever feels like too much trouble. After working together a few times, she’s become more than just someone who helps with mortgages – she’s become a friend. That says a lot about the kind of person she is. If you’re looking for someone trustworthy, supportive, and brilliant at what they do, I wouldn’t hesitate to recommend Tracey at Clearwater Financial Solutions.Posted on Sarah LondonTrustindex verifies that the original source of the review is Google. We highly recommend Tracey. From start to finish she was so helpful. Always very available and approachable to answer all of our questions. We were grateful for her efforts to always find us the best deal and thoroughly trusted her knowledge.Posted on Jessica CooperTrustindex verifies that the original source of the review is Google. Tracey and her team at Clearwater are simply amazing! I had a fantastic experience and felt fully supported throughout my house purchase. Tracey is knowledgeable, responsive and made the entire process feel stress free. Every question I had was answered clearly and quickly, and I always felt like I was in safe hands. My family all use Clearwater and all would 100% recommend Tracey's services. Family who live a few hundred miles away also use Clearwater and cannot speak highly enough of the service they received. I wouldn't hesitate to recommend Clearwater to anyone looking for a mortgage advisor. Thank you Clearwater for a wonderful experience.
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 – Chepstow
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.”
Catrin – Bristol
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 – Caldicot
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 – Bristol
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 – Thornbury
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 – Newport
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.”
Kevin Harford – Swansea
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 – Swansea
An excellent financial service
“Clear and uncomplicated advice delivered with confidence. An excellent financial service; highly recommended.”
Lucy McManus – Chepstow
We offer mortgages for all your needs:
We also offer advice on the “Help To Buy” application.
Mortgages
Home Movers
Buy To Lets
Remortgages
First Timers
First Time Buyers
5% Deposit Mortgages
New Build Mortgages