I am told JCFC that there is one big national pool for all referees at this level so realistically any referee could be appointed anywhere.
In these uncertain times of COVID the finances of these clubs will be stretching thinly
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That's not strictly accurate. Whilst ALL referees at Level 4 and above are "FA" officials and therefore able to take charge of games across the whole country, realistically, L3 and L4 appointments are typically made within around an hour's drive time. In fact, with separate travel for officials because of COVID protocol, appointments this year are likely to be even more local than this. That said, for those wishing to officiate further afield, there is always the option of giving a temporary address for a day, weekend or even longer