What We Do

Mortgages, protection, and insurance.

Expert advice across mortgages, protection and insurance. We will review your personal protection and home insurance needs, taking the complexity out of financial decisions so you can move forward with confidence.

Two children walking through the forest together hand in hand.
01
Mortgages

Finding the right mortgage
for your circumstances.

We offer mortgages from a comprehensive range of lenders. Whether you are buying your first home or expanding a property portfolio, we search for the right solution for your circumstances.

01.01
Residential Mortgages
From first-time buyers to home movers and remortgages, we guide you through the full process — from Agreement in Principle through to completion. We search the market to secure competitive rates and the right product features for your needs.
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01.02
Buy to Let
Whether you are purchasing your first investment property or growing an existing portfolio, we find buy to let mortgage solutions tailored to your rental income, property type, and long-term strategy.
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01.03
Limited Company Buy to Let
Investing through a Special Purpose Vehicle (SPV) or trading limited company? We work with lenders who specialise in limited company structures, helping landlords manage tax efficiency alongside their lending.
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Your home may be repossessed if you do not keep up repayments on your mortgage. Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Before You Apply

It starts with your credit report.

We help you get your finances mortgage-ready, then guide you to the right mortgage and protection solutions with expert, personal advice you can trust.

We've partnered with CheckMyFile to help you – so whatever your financial goal, this will help towards understanding whether you qualify for a mortgage and what deposit may be required.

Check My Credit Report →

Free 7-day trial, then £14.99/month. Cancel anytime.

*Free for 7 days. If you have not cancelled within this period a monthly fee of £14.99 will apply. You can cancel at any time online within your account, or you can contact CheckMyFile by phone or email to request this. The free 7-day trial applies only to new customers aged 18 years or over who are living in the UK. The 7-day free trial period starts when you register. If CheckMyFile are unable to verify your identity online when you register, they may ask you to provide information which may delay access to your credit report. Set in Stone Financial may receive a referral commission from CheckMyFile. Please be aware that by clicking the above link you are leaving the Set in Stone Financial website. Set in Stone Financial and HL Partnership Limited are not responsible for the accuracy of the information contained within the linked site(s) accessible from this page.

02
Protection

Protecting what
matters most.

A mortgage is one of the largest financial commitments you will make. Protection insurance ensures that if the unexpected happens, your home, your income, and your family are covered. We review your protection needs to find the most suitable cover.

02.01
Life Insurance
Pays a lump sum to your loved ones if you pass away during the policy term. We help you choose the right level of cover and policy type — level term, decreasing term, or whole of life — to match your mortgage and family needs.
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02.02
Critical Illness Cover
Provides a tax-free lump sum if you are diagnosed with a specified serious illness such as cancer, heart attack, or stroke. This can be used to pay off your mortgage, adapt your home, or cover living costs during recovery.
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02.03
Income Protection
Replaces a portion of your income if you are unable to work due to illness or injury. Unlike short-term sick pay, income protection can pay out until you return to work or reach retirement age — giving you genuine financial security.
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02.04
Family Income Benefit
Rather than a lump sum, family income benefit pays a regular tax-free income to your dependants if you die during the policy term. It is often more affordable than traditional life cover and can be easier to manage for families.
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03
General Insurance

Insuring your
home and its contents.

Protecting the bricks and mortar — and everything inside — is just as important as the mortgage itself. We can arrange suitable home insurance cover to sit alongside your mortgage, giving you complete peace of mind.

03.01
Buildings Insurance
Covers the structure of your home against damage from events such as fire, flood, subsidence, and storm. Most mortgage lenders require buildings insurance to be in place from the date of exchange — we make sure you are covered in time.
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03.02
Contents Insurance
Protects your personal possessions and household contents against theft, loss, or accidental damage. We can arrange combined buildings and contents policies or standalone cover to suit your situation.
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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.

Get Started

Not sure where to start? Let's talk.

Book a free, no-obligation consultation and we will help you work out exactly what you need and how we can help.

Book a Free No Obligation Consultation Contact Us