Honey Oat Apple and Banana Loaf Recipe

If you’re on the hunt for a cozy, wholesome treat that feels like a warm hug from the inside, you’ve just found it. This Honey Oat Apple and Banana Loaf Recipe is exactly the kind of loaf I love baking when I want something comforting but still nutritious. The blend of oats, ripe bananas, tart apples, and just the right touch of honey makes it sweet without being overpowering. Stick with me and I’ll share everything you need to know to bake this fan-freaking-tastic loaf that my family literally can’t get enough of!

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Why You’ll Love This Recipe

  • Naturally Sweetened: The honey and fruit keep this loaf sweet in a wholesome way, no refined sugar needed.
  • Simply Wholesome Ingredients: Oats, whole spices, nuts, and fresh fruit combine for a deliciously hearty texture and flavor.
  • Perfectly Moist: The yogurt and banana make sure your loaf stays tender and moist day after day.
  • Crowd-Pleaser: My family always asks for seconds, and it’s great for breakfast or an afternoon snack.

Ingredients You’ll Need

The harmony of oats, fresh fruit, nuts, and warm spices really hits the spot in this Honey Oat Apple and Banana Loaf Recipe. Plus, I’ll share a few handy tips along the way about how to get the best from these ingredients and where you can swap in alternatives.

  • Oatmeal or Rolled Oats: These create a hearty base; I love pulsing them in the food processor so they’re coarse but not powdery.
  • Baking Powder & Bicarbonate of Soda: Work together to get a nice rise and lightness in your loaf.
  • Ground Cinnamon & Mixed Spice: Bring warm, cozy flavors—you can even tweak these spices to your liking.
  • Pecans or Walnuts: Adds crunch and a nutty depth; feel free to chop them by hand if you don’t have a processor.
  • Ripe Bananas: The riper, the better for sweetness and moisture.
  • Eggs: Bind everything together beautifully without overpowering the other flavors.
  • Greek or Natural Yogurt: Keeps your loaf moist and tender—plain yogurt works perfectly.
  • Runny Honey: Adds natural sweetness and a subtle floral note; adjust to taste for sweeter or milder loaf.
  • Sweet Apples: I’ve used Granny Smith, Pink Lady, and Golden Delicious—all bring something lovely, so pick your favorite or mix it up.
  • Raisins: For little bursts of sweetness scattered throughout your loaf.
  • Flaked Almonds (Optional): A pretty, crunchy topping that’s totally optional but fun for texture.
Note: You’ll find the complete list of ingredients, along with their exact measurements, in the printable recipe card at the bottom of this post.

Variations

I like to switch up this Honey Oat Apple and Banana Loaf Recipe depending on the season or my pantry’s mood. Feel free to get creative and make it your own!

  • Nut-Free Version: Once I had guests with nut allergies and swapped nuts for sunflower seeds—still added a lovely crunch without worries.
  • Flour Swap: I sometimes substitute whole wheat flour for oats for a different texture—just watch the moisture as you might need a little extra yogurt.
  • Fruit Mix-Up: When apples aren’t in season, I’ve tried pears or grated carrots and loved the subtle sweetness and moisture they add.
  • Gluten-Free Option: Use certified gluten-free oats and double-check all other ingredients, and you’re good to go.

How to Make Honey Oat Apple and Banana Loaf Recipe

Step 1: Turn Oats into Coarse Flour

This is where the magic starts. Pop your oats into a food processor fitted with a metal blade and pulse for 2 to 3 minutes, using bursts of 30 seconds at a time. This allows the oats to settle so they grind evenly and don’t turn into fine flour—remember, you want a nice coarse texture here that gives the loaf some hearty bite. Don’t rush it; this step sets the foundation for your loaf’s texture.

Step 2: Mix Dry Ingredients

Once your oats have reached the right consistency, transfer them to a mixing bowl. Stir in the bicarbonate of soda, baking powder, cinnamon, and mixed spice. You’ll quickly see how the aroma starts to build—warm and inviting. Set this aside for now.

Step 3: Prep Nuts and Fruits

Next, chop the pecans or walnuts coarsely. I love using my food processor for this, but a sharp knife works just as well. Then mash the bananas until smooth—no lumps! Grating the apples comes next; if you have a processor, you can blitz the apples but I like grating by hand because it keeps some texture. Don’t peel the apples unless you’re not a fan of the skin, it’s full of nutrients and adds lovely texture too.

Step 4: Combine Wet Ingredients

In a separate bowl, combine the mashed bananas, lightly beaten eggs, yogurt, and honey. Then fold in those lovely grated apples until you have a wet, thick batter smelling like autumn on a Sunday morning.

Step 5: Bring It All Together

Pour the wet banana-apple mixture into your bowl of dry oats and spices. Stir gently with a spatula – be careful not to overmix; just combine until there are no dry oats peeking through. Then fold in the raisins and chopped nuts with a light hand so they’re evenly distributed but your batter remains airy.

Step 6: Bake to Perfection

Transfer your batter into a 9″ x 5″ loaf pan lined with baking parchment. Pop it in a preheated oven at 175°C (350°F) for 30 minutes. After this, I cover the loaf loosely with tin foil to stop the top from browning too much, then bake for another 25 to 30 minutes until it’s firm and a skewer comes out clean. Let it cool completely before slicing to avoid crumbly slices.

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Pro Tips for Making Honey Oat Apple and Banana Loaf Recipe

  • Pulse with Patience: When grinding oats, pulse in intervals and let the oats settle before continuing to avoid uneven grinding.
  • Don’t Overmix: Gently fold in ingredients to keep the loaf tender and avoid a dense texture.
  • Covering the Loaf: After 30 minutes of baking, tent with foil to prevent excessive browning while the inside finishes baking.
  • Cool before Slicing: To avoid crumbling, let your loaf cool fully; I usually wait at least 30 minutes before cutting.

How to Serve Honey Oat Apple and Banana Loaf Recipe

A brown rectangular loaf of bread sits on a light wooden board on a white marbled surface. The bread is topped with a layer of toasted sliced almonds, golden and slightly shiny. Three slices from the right side reveal a dense, slightly crumbly texture with small bits and a similar brown color inside. Part of a blue and white striped cloth is seen in the top left corner, and a green pear rests near the upper right edge. photo taken with an iphone --ar 4:5 --v 7

Garnishes

My go-to garnish is a light drizzle of honey on top or a sprinkle of flaked almonds before baking for a little crunch. Sometimes I spread a thin slather of softened butter or nut butter on freshly sliced pieces—it takes the flavor up a notch and is perfect for breakfast.

Side Dishes

This loaf is lovely with a cup of your favorite tea or coffee. For a heartier breakfast, I’ll serve it alongside fresh fruit or a dollop of yogurt. It also pairs well with a mild cheese like cream cheese if you like a savory contrast.

Creative Ways to Present

For a brunch or special occasion, I’ve sliced the loaf and arranged it on a platter with some fresh apple slices, a sprinkle of cinnamon, and a bowl of whipped honey butter. It looks inviting and everyone loves grabbing a slice for themselves. Another fun idea is to serve thick slices lightly toasted with a smear of ricotta and a drizzle of honey for a fancy take.

Make Ahead and Storage

Storing Leftovers

I keep leftover slices stored in an airtight container at room temperature, and the loaf stays fresh and moist for up to 3 days — after that, it’s best to refrigerate or freeze. This loaf’s natural moisture from the fruit really helps prolong freshness.

Freezing

I like to slice the loaf before freezing so I can grab exactly what I need for snacks or breakfast. Wrap individual slices tightly in plastic wrap and place them in a freezer bag—they keep beautifully for up to 3 months without losing flavor or texture.

Reheating

To warm frozen slices, I either pop them in the toaster for a few minutes or microwave them briefly on low power. I find this keeps the loaf moist and the flavors fresh, almost like it was just baked.

FAQs

  1. Can I use whole wheat flour instead of oats in this Honey Oat Apple and Banana Loaf Recipe?

    Absolutely! You can substitute whole wheat flour by weight—use about 1.5 cups (200g) instead of 2 cups of oats. You might need to add a little extra yogurt if the batter feels too thick. Just keep the mixture’s consistency similar to a thick dropping batter for best results.

  2. Do I have to peel the apples for this recipe?

    Not at all. I usually keep the peel on because it adds extra fiber and keeps the flavor fresh. Plus, the skin holds the apple pieces together as the loaf bakes. But if you really don’t like apple skins, peeling is fine.

  3. How can I prevent the loaf from browning too much on top?

    After about 30 minutes of baking, I tent the loaf with tin foil to shield it from direct heat. This stops the top from over-browning while the inside continues to bake all the way through.

  4. Can I make this loaf vegan?

    To make this loaf vegan, substitute the eggs with flax eggs (mix 2 tablespoons ground flaxseed with 6 tablespoons water and let sit until gelatinous) and swap the yogurt for a dairy-free alternative like coconut or almond yogurt. Use a vegan honey substitute like maple syrup.

  5. How long does this loaf keep fresh?

    Stored in an airtight container at room temperature, this loaf stays delicious and moist for about 3 days. Beyond that, refrigeration or freezing helps preserve freshness.

Final Thoughts

I absolutely love how this Honey Oat Apple and Banana Loaf Recipe turns out every time—moist, flavorful, and just sweet enough without being cloying. Since discovering this recipe, it’s become my go-to for breakfast treats and quick snack fixes. Trust me, once you try it, you’ll be pulling it out of the oven regularly. Give it a whirl and enjoy the comfort of homemade goodness with every slice!

Print
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Honey Oat Apple and Banana Loaf Recipe

Honey Oat Apple and Banana Loaf Recipe

4.8 from 135 reviews
  • Author: Jessica
  • Prep Time: 15 minutes
  • Cook Time: 55 minutes
  • Total Time: 1 hour 10 minutes
  • Yield: 1 loaf (9″ x 5″ loaf tin)
  • Category: Baking
  • Method: Baking
  • Cuisine: British
  • Diet: Vegetarian

Description

This Honey Oat Apple and Banana Loaf is a wholesome, moist, and naturally sweetened bread made with oats, ripe bananas, and fresh apples. Enhanced with warming spices, crunchy nuts, and juicy raisins, it’s a comforting treat perfect for breakfast or a healthy snack. Using Greek yogurt and honey adds moisture and a subtle tangy sweetness, making this loaf both delicious and nutritious.


Ingredients

Dry Ingredients

  • 2 cups / 200 grams oatmeal or rolled oats (or substitute with 1.5 cups / 200 grams wholewheat flour)
  • 1 teaspoon baking powder
  • ½ teaspoon bicarbonate of soda
  • 1 teaspoon ground cinnamon
  • 1 teaspoon ground mixed spice
  • ½ cup / 50 grams pecan or walnuts
  • ½ cup / 50 grams raisins

Wet Ingredients

  • 2 bananas, as ripe as possible
  • 2 large eggs, lightly beaten
  • ¼ cup / 60 ml Greek or natural thick yoghurt
  • ¼ cup / 60 ml runny honey (optional extra for sweeter taste)
  • 2 sweet apples (Granny Smith, Pink Lady, Golden Delicious or equivalent)

Topping (Optional)

  • 1 – 2 tablespoons flaked almonds


Instructions

  1. Preheat the oven: Set your oven to 175°C / 350°F to prepare for baking the loaf.
  2. Process the oats: Place the oats in a food processor with a metal blade and pulse for 2 to 3 minutes, stopping occasionally to let the oats settle, until they become a coarse flour. Transfer this to a mixing bowl.
  3. Add dry ingredients: Stir the bicarbonate of soda, baking powder, ground cinnamon, and mixed spice into the processed oats. Set aside.
  4. Prepare nuts: Coarsely chop the pecans or walnuts using a food processor or a sharp knife, then set them aside.
  5. Mash bananas: In a small bowl, mash the ripe bananas until smooth with no lumps remaining.
  6. Mix wet ingredients: Add the lightly beaten eggs, Greek yogurt, and honey to the mashed bananas and stir gently until well combined.
  7. Grate or process apples: Grate the apples by hand or pulse them in the food processor, then fold the apple mixture into the banana batter.
  8. Combine wet and dry mixtures: Pour the banana, apple, and wet ingredient mixture into the dry oat and spice mixture. Mix lightly with a spatula until just combined and no dry oats remain; the batter should be thick and dropping in consistency.
  9. Add nuts and raisins: Gently stir in the chopped nuts and raisins until evenly distributed throughout the batter.
  10. Prepare the loaf tin: Line a 9″ x 5″ (23cm x 12.5cm) loaf tin with baking parchment, ensuring some overhang for easy removal.
  11. Pour and bake: Transfer the batter into the loaf tin and smooth the surface. Optionally, sprinkle flaked almonds on top for added texture. Bake in the preheated oven for 30 minutes.
  12. Cover to prevent over-browning: After 30 minutes, cover the loaf loosely with a sheet of tin foil to prevent the top from browning too much. Continue baking for another 25 to 30 minutes until a skewer inserted into the center comes out clean and the loaf feels firm to the touch.
  13. Cool: Remove the loaf from the oven and allow it to cool completely in the tin before removing and slicing to avoid crumbling.

Notes

  • When processing oats, work in 30-second bursts and allow oats to settle to get the correct coarse flour consistency.
  • Using a food processor speeds up chopping nuts and apples; chop nuts first to avoid damp residue before processing apples.
  • If no food processor is available and using wholewheat flour instead of oats, chop nuts with a knife and grate the apples. Peeling apples is optional.
  • Do not overmix the batter; fold gently until just combined to maintain a tender crumb.
  • Line the loaf tin with baking parchment leaving an overhang to lift the loaf out easily.
  • Covering the loaf with foil after 30 minutes baking prevents excessive browning while ensuring thorough cooking.
  • Cool completely before slicing to prevent crumbling.
  • Substitute wholegrain flour by weight, using approximately 1.5 cups (200g) of wholewheat flour instead of 2 cups oats. You may need extra yoghurt if batter is too thick.
  • Store the loaf in an airtight container at room temperature for up to 3 days for best freshness.

Nutrition

  • Serving Size: 1 slice (1/12 of loaf)
  • Calories: 165 kcal
  • Sugar: 12 g
  • Sodium: 110 mg
  • Fat: 5.5 g
  • Saturated Fat: 1 g
  • Unsaturated Fat: 4 g
  • Trans Fat: 0 g
  • Carbohydrates: 27 g
  • Fiber: 3.5 g
  • Protein: 3.5 g
  • Cholesterol: 35 mg