Butterscotch Apples

1 cup flour
2 tsp baking powder
1/4-1/2 tsp nutmeg or ginger
1/2 tsp salt
2-3 granny smith apples, peeled, cored and cut into 2cm cubes
1/2 cup milk
1 cup brown sugar
1/2 tsp cinnamon
2 Tbs butter
2 cups water

Sift together flour, baking powder, nutmeg/ginger & salt.  Toss in the apple.  Add milk and mix with a butter knife to blend.  Spread into a 23cm square baking dish.  Heat remaining ingredients in a saucepan and bring to the boil.  Pour carefully over the batter.  Bake uncovered @ 180 degrees C for 45-60 minutes until topping is firm in the centre and golden brown.