About Us

Built on honesty.
Driven by you.

Set in Stone Financial was founded on a simple belief: that everyone deserves clear, honest financial advice without the jargon, the pressure, or the hidden agenda. We are a mortgage and protection broker — which means our focus is entirely on the people we work with.

Your Adviser

Meet Katherine.

Founder - Mortgage & Protection Adviser

Katherine Hannaford

After 16 years helping clients with mortgages, I set up Set In Stone Financial to give advice that's personal, not pressured, and tailored to your needs.

When I'm not working, I'm doing what every mum does — juggling day-to-day life with my three beautiful children and husband. A healthy work-life balance matters to me, and it's part of how I bring empathy and perspective to the advice I give.

QualificationCeMAP qualified
Regulatory statusAppointed representative of HL Partnership Limited
FCA number1055112
Facebookfb.com/setinstonefinancial.katherine
LinkedInlinkedin.com/in/katherinestone2

"My approach is simple: honesty, clarity, and putting your needs first. I love helping people find the right mortgage because it’s not just about rates - it’s about giving you confidence and peace of mind for one of life’s biggest decisions."

— Katherine, Set in Stone Financial
Katherine Hannaford — Mortgage & Protection Adviser
Our Values

What we stand for,
every time.

These are not just words on a page. They are the standards we hold ourselves to in every client interaction, every recommendation, and every conversation.

01
On Your Side
We are not tied to any single lender or insurer. We offer mortgages from a comprehensive range of lenders, and every recommendation we make is driven solely by what is right for you.
02
Transparency
We will always be clear about how we are paid, what your options are, and what we recommend — and why. No surprises, no small print.
03
Accessibility
Finance can feel overwhelming. We make it approachable — explaining everything in plain language and moving at a pace that suits you.
04
Long-term thinking
Our relationship with you does not end at completion. We are here for the long term, reviewing your arrangements as your life changes.
Our Approach to Fees

Transparent,
from day one.

We believe in being upfront about fees from the very first conversation. Initial consultations are completely free of charge, with no obligation to proceed.

Where a broker fee applies, it will be clearly explained and agreed with you before any work begins — never a surprise. We will always make sure you understand exactly what you are paying for, and why.

Regulatory Status

Set in Stone Financial is a trading name of Katherine Hannaford, and is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority under reference number 1055112.

Important Information

Your home may be repossessed if you do not keep up repayments on your mortgage. The value of protection policies and the premiums payable will depend on your individual circumstances. Think carefully before securing other debts against your home.

Work With Us

Ready to take the
first step?

Book a free, no-obligation consultation and let's start a conversation about what you want to achieve.

Book a Free No Obligation Consultation Contact Us