Prepare the Oats: In a large bowl, combine the oatmeal and water. Let it sit for a few minutes until the oats soften.

Prepare the Apple and Banana: Grate the apple and mash the banana. Add them to the softened oats.

Mix the Ingredients: Add the egg and vanilla extract to the oat mixture. Mix well until all ingredients are fully combined.

Cook the Pancakes: Heat a small amount of oil in a non-stick frying pan over medium heat.

Pour small amounts of the batter into the pan to form pancakes. Cook for about 2-3 minutes on each side, or until golden brown and cooked through.

Repeat with the remaining batter, adding more oil to the pan as needed.

Serve: Serve the pancakes warm. You can top them with fresh fruit, a dollop of yogurt, or a drizzle of sugar-free syrup if desired.