Preheat the oven to gas 4 / 180C / 350F and line a 6 hole muffin tin with paper cases
Mix the oil, apple sauce and mashed banana together in a large bowl
Stir in the flour, baking soda, cinnamon, xanthan gum if using and the choc chips until just combined
Taste the batter and decide if you'd like to add a bit of sugar. The apple sauce and banana is the only sweetener here so you may need to add a little granulated sugar to your taste
Spoon the batter evenly into each paper case then sprinkle the oats over the tops
Bake for 35 - 45 minutes until the muffins are risen and golden and a toothpick inserted in the middle comes out clean and dry (This pic isn't a good representation of how big the muffins will be. I didn't have quite enough flour so my batter was less and I should have only filled 4 cases but.....)
Let cool in the tin for 5 minutes then transfer to a wire rack to cool completely
Without any added sugar these muffins come in at under 100 calories each
