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Preheat the oven to 425°F. Grease a baking sheet, or line it with parchment.
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In a large bowl combine the flours, baking powder, baking soda, salt, and sugar.
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Work the butter into the dry ingredients until the mixture is unevenly crumbly. Toss in the toffee crunch until evenly distributed.
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Mash the banana with the vanilla in a small bowl. Stir in 1/2 cup of the buttermilk or milk.
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Add the banana mixture to the butter-flour mixture, stirring until the dough comes together into one mass, and adding more milk/buttermilk if needed.
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Turn the dough out onto a well-floured surface. Flour your hands and the surface of the dough.
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Knead the dough very gently about 10 times, just enough to bring it together, sprinkling on more flour as needed to keep the dough from sticking.
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Cut the dough in half, and press each piece gently into a circle 6" to 8" in diameter.
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Cut each circle into 6 wedge-shaped pieces with a bench knife, bowl scraper, or spatula.
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Transfer the banana scones to the prepared baking sheet, leaving 1/2" or so between them.
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Bake the banana scones for 14 to 16 minutes, or until golden brown.
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Remove the banana scones from the oven, and serve hot, warm, or at room temperature. When completely cool, store any leftovers well wrapped, at room temperature, for several days; freeze for longer storage.