Millionaire Banoffee Traybake

Prep. Time:
30 minutes
Baking Time:
75 minutes
Total Time:
4-5 hours
Serves:
16-20 bars
Frances Quinn's signature creation from Biscuits and Traybakes Week that proved style and substance could coexist. This inventive fusion of millionaire's shortbread and banoffee pie features a sandy, melt-in-your-mouth rice flour shortbread base, banana-infused caramel cooked to proper fudge consistency, and a glossy dark chocolate topping finished with flaky sea salt. Mary Berry was impressed that the toffee set despite the banana addition, while Paul Hollywood praised the biscuit flavor and the essential salt element. Cut into precise blocks and stack Jenga-style for Frances's signature playful presentation.
Chef's Notes: Addressing Judge Feedback
Mary Berry on Setting: "I was really worried about the toffee bit not setting because you'd put in banana and you've been able to cut through it so obviously."
The key to achieving properly set banana caramel is extended cooking time. Bananas contain significant moisture that must be evaporated, or the caramel will remain soft and oozy. Cook the caramel to 240–245°F (soft ball stage) — this typically takes 20–25 minutes of continuous stirring. The caramel should be thick enough to leave a clear trail when you drag a spatula through it.
Paul Hollywood on Flavor: "I think the flavor of the biscuit's good, chocolate on the top, and that little bit of salt in there as well."
Paul specifically praised the salted element. The flaky sea salt on the chocolate is essential — it cuts through the sweetness and brings all the flavors into focus. Use a quality flaky salt (Maldon is ideal) rather than fine salt, as the texture and irregular distribution create pleasant bursts of salinity.
Mary Berry on Balance: "This time not only have you got the design right, you've got the actual bake right too."
This was a pivotal moment for Frances — validation that creativity and technical precision could coexist. The lesson: never sacrifice technique for presentation. Each layer must be executed properly for the whole to succeed.
Troubleshooting Guide
Problem: Caramel won't set
Cause: Not cooked long enough; banana too wet
Solution: Cook to 240–245°F; use ripe but not overripe bananas
Problem: Caramel is grainy
Cause: Sugar crystallized; temperature shock
Solution: Ensure sugar fully dissolves before boiling; don't stir sides of pan
Problem: Caramel burned
Cause: Heat too high; stopped stirring
Solution: Use medium heat; stir continuously; use heavy pan
Problem: Shortbread is too hard
Cause: Overbaked; too much flour
Solution: Bake until just golden; measure flour by weight
Problem: Shortbread is crumbly
Cause: Not pressed firmly enough
Solution: Press very firmly; chill before baking
Problem: Chocolate cracked when cut
Cause: Too cold; cut too quickly
Solution: Let sit 10 min at room temp; use hot knife
Problem: Chocolate bloomed (white streaks)
Cause: Temperature fluctuation
Solution: Store at consistent cool temperature
Problem: Bars won't stack
Cause: Uneven cutting; layers too thick
Solution: Use ruler for precision; maintain even layer thickness
Problem: Banana flavor too strong
Cause: Overripe bananas; too much banana
Solution: Use just-ripe bananas; reduce to 1½ bananas
Storage and Make-Ahead Tips
Short-Term Storage: Store in an airtight container in the refrigerator for up to 1 week. The caramel firms up when cold, so let bars sit at room temperature for 10 minutes before serving for the best texture.
Freezing: Freeze uncut slab wrapped tightly in plastic wrap and foil for up to 2 months. Thaw overnight in the refrigerator before cutting.
Make-Ahead Strategy: The shortbread base can be baked up to 3 days ahead and stored airtight at room temperature. Add caramel and chocolate on the day of serving for best results, or assemble completely up to 3 days ahead.
Serving Temperature: These are best served at cool room temperature — cold enough that the layers hold their shape, but not so cold that the chocolate is hard and the caramel is overly firm.
Variations
Classic Millionaire's Shortbread: Omit the banana for traditional millionaire's shortbread. Reduce caramel cooking time to 15–18 minutes.
Salted Caramel Version: Increase salt in the caramel to ½ teaspoon and use milk chocolate instead of dark for a sweeter, saltier profile.
Peanut Butter Banoffee: Swirl 3 tablespoons of smooth peanut butter into the caramel just before pouring. Top with chopped roasted peanuts.
White Chocolate Topping: Replace dark chocolate with white chocolate for a sweeter, creamier finish. Add freeze-dried banana powder for extra banana punch.
Coffee Banoffee: Add 2 teaspoons of instant espresso powder to the caramel for a mocha-banana flavor combination.
Gluten-Free Version: Replace all-purpose flour with a 1:1 gluten-free flour blend. Keep the rice flour as is.
Frances's Presentation Tips
Frances was known for her creative presentations. To recreate her Jenga-style display:
Cut bars to identical dimensions (approximately 3 x 1.5 inches)
Stack in alternating directions like Jenga blocks
Add small squares of edible gold leaf to random bars
Place dried banana chips at artistic angles
Dust the serving plate with cocoa powder or gold luster dust
Ingredients
Instructions
MAKE THE SHORTBREAD BASE
1. Preheat oven to 325°F (165°C / 145°C fan). Line a 9x13 inch baking pan with parchment paper, leaving overhang on the long sides for easy removal.
2. In a food processor, pulse together the all-purpose flour, rice flour, sugar, and salt until combined. The rice flour adds the characteristic sandy, melt-in-your-mouth texture of proper shortbread.
3. Add the cold cubed butter and pulse in short bursts until the mixture resembles coarse breadcrumbs with some pea-sized pieces remaining. Don't overprocess—some larger butter pieces create flakiness.
4. Tip the mixture into the prepared pan and press firmly and evenly across the bottom. Use the flat bottom of a measuring cup to compact it into a smooth, even layer about ½ inch thick.
5. Prick the shortbread all over with a fork to prevent puffing. Refrigerate for 15 minutes to firm up the butter.
6. Bake for 35-45 minutes until pale golden all over with slightly darker edges. The surface should look dry and matte, not shiny. Cool completely in the pan—at least 1 hour. The base must be completely cold before adding the caramel.
MAKE THE BANANA CARAMEL
7. In a heavy-bottomed saucepan, combine the butter, brown sugar, and golden syrup. Heat over medium-low, stirring constantly, until the butter melts and sugar dissolves completely.
8. Pour in the condensed milk and increase heat to medium. Bring to a gentle boil, stirring continuously. Never stop stirring once the mixture begins to boil, or it will catch and burn.
9. Add the mashed banana, vanilla, and salt. The mixture will bubble vigorously—this is normal. Continue stirring.
10. Cook and stir for 20-25 minutes. The caramel should thicken significantly, pull away from the sides, turn deep amber, and reach 240-245°F (116-118°C) on a candy thermometer—the soft ball stage. It should leave a clear trail when you drag a spatula through. This extended cooking evaporates the banana moisture for proper setting.
11. Immediately pour the hot caramel over the cooled shortbread. Spread evenly with an offset spatula, working from center outward.
12. Cool at room temperature for 30 minutes, then refrigerate for at least 1 hour until caramel is completely firm.
APPLY THE CHOCOLATE TOPPING
13. Melt the chopped chocolate with coconut oil in a heatproof bowl over simmering water (or microwave in 30-second intervals), stirring until smooth and glossy.
14. Pour the chocolate over the set caramel. Tilt the pan and use an offset spatula to spread evenly to the edges.
15. Immediately sprinkle the flaky sea salt over the wet chocolate. Add banana chips and gold leaf for decoration if using.
16. Refrigerate for at least 1 hour until chocolate is firm, or 2-3 hours for cleanest cuts.
CUT AND SERVE
17. Let sit at room temperature for 10 minutes to prevent chocolate cracking.
18. Using the parchment overhang, lift the slab onto a cutting board. Cut into 16-20 bars with a sharp knife dipped in hot water and wiped between cuts.
19. Stack at angles like Jenga pieces for Frances's signature presentation.


