Reffiness Limited is an independent advisory firm based in the UK. We specialise in unbiased advice leading to tailored and affordable solutions. It is our key trend no matter the prospect's background and beliefs. Reffiness Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority. NLD FCA No 460421. Our FCA No 978458.Head Office: 165-167 High Street, Rayleigh, Essex, SS6 7QA. Co-reg no 5520001.Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets outside our control. Investments and the income from them may go down as well as up and you may get back less than the amount you invested. Past performance is not a guide to future performance.Your home is at risk if you fail to keep up with the payments on your mortgage or any other loans secured against it.Commercial Lending and most Buy-to-let arrangements are not regulated by the FCA.Will Writing & Lasting Power of Attorney is not regulated by the FCA.We normally charge a fee for mortgage advice, however, this will be dependent on your circumstances. Our typical fee is £495.00.