01 -
Warm up your oven to 350°F (175°C). Give a 9x5x2.5-inch loaf tin a good coat of baking spray, then add some parchment paper with edges hanging out so you can lift your loaf easily later.
02 -
In a small bowl, mix white sugar, brown sugar, salt, cinnamon, and flour. Add the warm butter and work it with a fork until you get small clumps. Put aside for now.
03 -
Take flour, baking powder, cinnamon, ginger, nutmeg, and salt and mix them well in a small bowl. Set this aside too.
04 -
In a large bowl, beat together eggs, both sugars, sour cream, oil, and vanilla. Then gently fold your grated carrots in with a spatula.
05 -
Slowly add your dry stuff to the wet mix. Stir just enough to make the flour disappear. Toss in nuts now if you want them.
06 -
In another bowl, mix cream cheese, sugar, flour, egg, and vanilla. Use low mixer speed and only mix until it's smooth and creamy.
07 -
Put half the carrot mix in your lined tin. Top with all the cheese mix and smooth it flat. Finish with the rest of the carrot batter and sprinkle all that crumbly topping on.
08 -
Pop it in for 55–65 minutes. If the top gets too brown after 25–30 minutes, just cover it with some foil. It's ready when a toothpick stuck in comes out mostly clean.