Apple Mortgage Cake
The Apple Mortgage Cake is a simple, delicious, and affordable dessert that combines fresh apples with a spiced, moist cake. With basic pantry ingredients and a straightforward recipe, it’s an ideal choice for a cozy treat any time of year. The name reflects its budget-friendly nature, making it a great option for those seeking a tasty dessert without the cost. Perfect for fall gatherings or everyday indulgence, this cake brings warmth and comfort to the table.
Prep Time 15 minutes mins
Cook Time 30 minutes mins
Total Time 45 minutes mins
Course Dessert
Cuisine American
Servings 10
Calories 250 kcal
- 3-4 medium apples peeled, cored, and chopped
- 1 ½ cups all-purpose flour
- 1 cup granulated sugar
- 2 large eggs
- 1 teaspoon ground cinnamon
- ½ teaspoon baking soda
- ½ teaspoon vanilla extract
- ½ cup vegetable oil
- A pinch of salt
Preheat the Oven: Preheat your oven to 350°F (175°C). Grease and flour a 9-inch round cake pan.
Prepare Dry Ingredients: In a large mixing bowl, whisk together the flour, cinnamon, baking soda, and salt. Set aside.
Mix Wet Ingredients: In another bowl, beat the eggs and sugar together until light and fluffy. Add the vegetable oil and vanilla extract, mixing until well combined.
Combine Wet and Dry Ingredients: Gradually fold the dry ingredients into the wet ingredients, stirring until just combined. Be careful not to overmix to keep the cake light.
Add Apples: Fold in the chopped apples until they are evenly distributed throughout the batter.
Bake: Pour the batter into the prepared cake pan and spread it out evenly. Bake for 30-35 minutes, or until a toothpick inserted into the center comes out clean.
Cool: Let the cake cool in the pan for 10 minutes before transferring it to a wire rack to cool completely.
Serve: Once cooled, slice and enjoy as-is, or serve with a dollop of whipped cream, vanilla ice cream, or a drizzle of caramel sauce for extra indulgence.
Apple Choice: For best results, choose apples that are firm and slightly tart, such as Granny Smith, Honeycrisp, or Gala.
Variations: You can add chopped nuts (such as walnuts or pecans) or raisins for extra texture. You could also add a pinch of nutmeg for a more aromatic flavor.
Storage: Store the cake in an airtight container at room temperature for up to 3 days, or refrigerate it for up to a week. The cake can also be frozen for up to 3 months.
Vegan Option: To make this cake vegan, replace the eggs with flax eggs (1 tbsp ground flaxseed + 3 tbsp water per egg) and use a non-dairy oil like coconut oil.

Keyword Apple, Mortgage Cake, Apple Cake, Fall Dessert, Easy Cake Recipe, Affordable Cake, Spiced Apple Cake, Budget-Friendly Cake, Homemade Cake Recipe