Spread the oil, garlic, and half of the ham onto the flatbread. Bake in the oven on a baking sheet for 5 minutes.
Then top with cheese, apple, and remaining ham.
Bake for another 8 - 10 minutes until the cheese is melted fully and edges are slightly browned (if desired, brown the top by placing underneath the broiler on high for the last 1-2 minutes).
Remove the flatbread from the oven and cut into wedges.