Jakub Molik
4 Aug 2022Great professional service highly recommend with any doubts
Reffiness Limited is an FCA-regulated mortgage broker based in Stoke-on-Trent, ST4 2LW, specialising in Buy-to-Let, Residential. Rated 5/5 from 4 reviews.
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Meet our experienced team of mortgage professionals
Jakub Molik
4 Aug 2022Great professional service highly recommend with any doubts
Karolina Nawrocka
6 Oct 2020Without doubts, I can fully recommend this company. Their knowledge and professional service are always at the highest level. They are very committed to their clients and always are ready to help and support. Very friendly advisers you can rely on.
Dominika Gralinska
5 Oct 2020I would like to recommend them to everyone who needs personalised advice and service for life. They explained to me everything, guided through the process and even now I can rely on them. Very customer-focused advisers with high attention to details. Very responsive and well-informed company!
No memberships listed.
Regulatory Status
Direct Authorisation
FCA Number
978458Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.

UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.

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