Preheat your oven to 350°F (175°C) and grease an 8½ x 11-inch baking dish. Scatter the cubed bread evenly inside the dish.
In a mixing bowl, whisk together the eggs, heavy cream, vanilla extract, bourbon (if using), cinnamon, and nutmeg until fully combined. Pour this custard mixture over the bread cubes, ensuring they are well-soaked.
In a separate bowl, combine the chopped apples with brown sugar and flour (or cornstarch). Toss until the apples are well coated. Evenly distribute the apple mixture over the soaked bread, ensuring it is spread uniformly.
Transfer to the oven and bake for approximately 45 minutes, or until the pudding is set and the top is golden brown. Allow to cool slightly before serving. Enjoy warm!