Preheat oven to 180 degrees celsius.
Chop up apples and carrots in a bowl. Sprinkle some xylitol and cinnamon over them if you like!
Into an oven proof dish or 6 mini ramekins, divide your chopped up apple and carrot mixture. Bake for 10 minutes.
While your filling bakes, combine dry ingredients in a bowl and mix.
Combine wet ingredients in a bowl and microwave for 30 seconds. Mix and heat again for 30 seconds.
Pour wet ingredients into dry and mix into a crumb. Use your fingers!
Remove your filling from oven. Take your topping and sprinkle it over your filling. Press it down lightly.
Bake for 20 minutes or until golden brown.
Serve with yoghurt, ice cream or custard!
Servings 0