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Grease a 9x13 inch baking dish with butter.
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Tear loaf of bread into small, bite sized pieces and place into baking dish.
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Sprinkle diced apples among the bread pieces.
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In a large bowl, whisk together eggs, milk, cream, vanilla, sugar and 1 teaspoon of cinnamon.
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Pour egg mixture over pieces of bread in baking dish.
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In a small bowl, using a fork or pastry blender, combine flour, brown sugar, remaining 1 teaspoon of cinnamon, nutmeg, salt and cold butter until a pebbly mixture .
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Pour crumbly topping mixture over top of baking dish.
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Cover with foil and place into the refrigerator overnight.
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When ready to make french toast bake, preheat oven to 350ºF.
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Take baking dish out of the refrigerator and allow to warm up for 10 minutes.
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Place foil wrapped baking dish into preheated oven.
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Bake for 30 minutes.
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Remove foil and continue to bake for an additional 30 minutes.
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Allow to cool for 10 minutes.
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Slice and serve.