Soak navy beans according to package directions.

In a large pot, put ham bone, navy beans, water, peppercorns, cloves and bay leaf. Bring to a boil then simmer for about 3 hours.

Add carrots, celery, onion and garlic. Cook for another 1/2 hour - 1 hour.

Take out the ham bone and process with an immersion blender or in batches in a blender.

Season with salt and pepper.