Combine the oats, spices, water and salt in a medium-sized pot and bring to a simmer.
Allow the oats to simmer for 15 minutes stirring every few minutes, until the water has been absorbed and the oats are almost cooked through.
Stir in the butter and cream/coconut milk and turn off the heat. Cover with a lid and allow to steam for 10 minutes.
For the caramelized apples, melt the butter in a frying pan then add the apples.
Cook the apples until golden brown then add the sugar and cream/coconut milk and vanilla extract and allow to cook until the sugar has dissolved and has formed a thick sauce.
Serve the chai-spiced oatmeal with the caramelized apples and a dollop of yogurt.