The Ultimate Autumn Spice Cake

Name: The Ultimate Autumn Spice Cake
Prep time: 20 min
Cook time: 28 min
Total time: 48 min
Cuisine: American
Ingredients: 1 1/2 cups (190gms) all purpose flour; 1 teaspoon baking powder; 1/2 teaspoon baking soda; 1 teaspoon cinnamon*; 1/2 teaspoon ginger, 1/4 teaspoon nutmeg and pinch of cloves; 1/4 teaspoon salt; 1/2 cup (120mls) oil; 1/2 cup (100gms) sugar; 1/4 cup (50gms) soft brown sugar; 2 large eggs; 1 teaspoon vanilla extract; 1/3 cup (80gms) unsweetened applesauce, store bought or homemade; 1 cup shredded apples, about 1 large or 2 medium apples; 1/2 cup (120gms) chopped walnuts; 1/4 cup (60gms) butter; 3oz cream cheese; 1 1/4 cups/150gms icing sugar; 1/4 teaspoon vanilla extract; Pinch of salt; 2 - 3 tablespoons crushed Lotus Biscoff biscuits, about 3 to 4 biscuits plus more for top