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In small bowl, make flax egg by mixing flaxseed and water in small bowl. Set aside 10 or 15 minutes to thicken.
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Meanwhile, prepare cinnamon apples. Heat small saucepan over medium-low. Add chopped apple, cinnamon and water, stirring to combine. Cover and cook 5 minutes or so, until apples become soft and more translucent. Set aside.
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In medium mixing bowl, combine banana flour, baking soda and cinnamon or pumpkin pie spice. Stir to combine.
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Add flax eggs, non-dairy milk, maple syrup, vanilla and vinegar. Stir briefly to combine, then fold in carrots and mix until evenly distributed throughout.
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In large pan over medium heat, add 2-3 teaspoons coconut oil. Spoon in 3-4 tablespoons batter to form pancake. Cook 2 minutes until edges become golden-brown and it’s easy to flip. Flip and cook another 2 minutes on the other side, then transfer to plate. Repeat with remaining batter.
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To serve, stack 2-3 pancakes and top with cinnamon apples, walnuts, coconut, carrot and maple syrup.