Preheat the oven to 180°C (350°F). First, make the crumble topping. Place the apple, raspberries, oats, walnuts, chia seeds, vanilla, cinnamon, salt, coconut oil and honey in an ovenproof dish and mix to combine. Cook for 20 minutes or until crispy and golden.
Meanwhile, make the pancakes. Place the flours, baking powder and cinnamon in a large bowl and mix to combine. Place the bananas, eggs and milk in a blender and blend until smooth. Make a well in the dry ingredients, pour in the banana mixture and whisk until smooth. Stir in the apple.
Heat a little of the oil in a frying pan over a medium heat. Cook heaped tablespoons of the batter for 2-3 minutes each side, until golden (you can cook 3-4 pancakes at a time, just leave yourself enough space for flipping). Repeat with the oil and remaining batter.
Stack the pancakes on serving plates and top with yoghurt and apple and raspberry crumble to serve.