Ray Atherton, director of Protection Solutions Limited, is an Independent Mortgage Adviser based in Marple, Cheshire. Protection Solutions Ltd. is an appointed representative of Home Of Choice Ltd., which is authorised and regulated by the Financial Services Authority.

Ray has over 25 years experience as a Mortgage and Financial Advisor, offering long-term ongoing commitment. His qualifications include certified membership of the Personal Finance Society and Society of Mortgage Professionals with certified Chartered Insurance Institution Mortgage Professionals Certificate.

Protection Solutions can provide a wide range of mortgages and protection related products, including:

• Independent mortgage advice - means you don't have to spend hours identifying the most suitable mortgage.

• Specialising in residential mortgages and re-mortgages - you make the gain we take the strain.

• Buy to Let and first-time buyer mortgages.

• Friendly, fast and professional service - our mission is for you to get the property you want with a appropriate and competitive mortgage.

• Advice on related insurances, including household, mortgage protection, critical illness and payment protection cover - lose your mortgage not your home.

• Free claims assistance - for clients taking our household or protection products.

• Free, no obligation initial consultation - at your home or office.

• We don't normally charge a broker fee - however, should a fee be charged it will typically be £99 payable on completion. The precise amount will depend on your circumstances.

Think carefully before securing debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

In general Buy to Let mortgages are not regulated by the Financial Services Authority.