1Preheat oven at 180 C. Line a 12-hole (80-ml cup) muffin pan with paper muffin cases.
2Combine flour, bran cereal, brown sugar and cinnamon in a bowl. Stir to combine. Peel and grate one of the apples, then toss apple and banana through the dry ingredients.
3In a separate bowl, whisk together oil, egg and buttermilk. Pour liquid ingredients over the dry ingredients and stir until they have just come together. Do not over-mix; mixture should be lumpy. Spoon the batter into the prepared muffin cases.
4Slice remaining apple thinly. In a small bowl, combine the extra cinnamon and sugar. Top each muffin with a slice of apple and a sprinkle of cinnamon sugar.
5Bake for 20 to 25 mins or until the muffins are cooked through. Move to a wire rack and allow to cool.
Photo: Bauer / John Paul Urizar