Fluffy Banana Pancakes with Homemade 3-Ingredient Coconut Caramel Syrup: Your Ultimate Breakfast Indulgence
There’s something truly magical about a weekend morning, a leisurely pace, and the inviting aroma of freshly made pancakes wafting through the house. Even when life feels like a whirlwind, and my creative culinary spirit seems to be in hibernation, my mind is constantly buzzing with new recipe ideas. And sometimes, those ideas beautifully converge to create something extraordinary, like these fluffy homemade banana pancakes, generously drizzled with an incredibly simple, yet utterly delicious, homemade coconut caramel syrup.

This delightful recipe is my latest passion project, born from a weeks-long fascination with the concept of a coconut caramel syrup. Once the idea of such a luxurious topping took root, the next logical question was, “What divine creation can I pour this luscious coconut caramel syrup over?” While the honest answer is probably everything, these delectable banana pancakes instantly sprang to mind as the perfect canvas. What could possibly sound better than light, airy, and warmly spiced banana pancakes complemented by the rich, comforting embrace of warm coconut caramel syrup?
Why You’ll Fall in Love with This Banana Pancake Recipe
This isn’t just another pancake recipe; it’s an experience. Imagine waking up to a stack of golden-brown pancakes, each bite bursting with the sweet, comforting flavor of ripe bananas, perfectly balanced by a tender, fluffy texture. Then, envision that stack bathed in a glossy, golden syrup that carries the subtle tropical notes of coconut milk mingled with the deep, comforting sweetness of caramel. This is the breakfast dream come true!
Beyond their incredible taste, these homemade banana pancakes and their accompanying coconut caramel syrup offer several compelling reasons to become your new go-to:
- Unbeatable Fluffiness: Thanks to the perfect blend of leavening agents and buttermilk, these pancakes achieve an enviable lightness and tenderness.
- Natural Sweetness: Ripe bananas don’t just add flavor; they contribute a natural sweetness, allowing for less added sugar in the batter.
- Simple, Pantry-Friendly Syrup: The coconut caramel syrup is a revelation! Made from just three common pantry ingredients, it’s astonishingly easy to prepare, yet tastes incredibly gourmet.
- Quick & Easy: Both components come together relatively quickly, making this an ideal recipe for a special weekend breakfast or even a weeknight treat.
- Customizable: While delicious on its own, this recipe serves as a fantastic base for various additions and toppings.


The Magic of Homemade Coconut Caramel Syrup
The star of this breakfast spread, arguably alongside the pancakes themselves, is this non-traditional yet utterly captivating coconut caramel syrup. Forget those store-bought, corn syrup-laden options. This homemade version, crafted with just brown sugar, light coconut milk, and a touch of vanilla extract, is incredibly simple to create and elevates the entire dish.
While it may deviate from a classic caramel recipe, its simplicity is its genius. After a few rounds of delightful experimentation, I perfected the recipe to achieve the ideal thickness and that luscious “drip-ability” you expect from a traditional pancake syrup. The light coconut milk lends a creamy richness and a subtle tropical hint that beautifully complements the deep, molasses notes of the brown sugar. A pinch of salt balances the sweetness, and vanilla extract adds a layer of aromatic warmth. The result is a velvety, glossy syrup that’s sweet, slightly nutty, and perfectly pourable – truly a revelation.
This versatile syrup isn’t just for pancakes! Keep it in mind for drizzling over ice cream, enhancing a bowl of oatmeal, stirring into coffee, or even as a unique topping for fruit salad. Its ease of preparation and divine flavor make it a must-have in your recipe repertoire.

Crafting the Perfect Fluffy Banana Pancakes
Achieving perfectly fluffy pancakes at home is simpler than you might think, and these banana pancakes are a testament to that. The secret lies in a few key ingredients and techniques:
- Very Ripe Bananas: The riper your bananas, the sweeter and more flavorful your pancakes will be. Look for bananas with plenty of brown spots; these are ideal for mashing.
- Buttermilk: Buttermilk is a game-changer for pancakes. Its acidity reacts with the baking soda to create air bubbles, resulting in an incredibly light and tender crumb. If you don’t have buttermilk on hand, you can easily make a substitute by adding 1 tablespoon of white vinegar or lemon juice to a measuring cup, then filling it with regular milk to the 1-cup mark. Let it sit for 5-10 minutes until it slightly curdles.
- Gentle Mixing: Overmixing pancake batter is a common mistake that leads to tough pancakes. Mix just until the wet and dry ingredients are combined. A few lumps are perfectly fine and even desirable!
- Resting the Batter: Allowing the batter to rest for 10 minutes gives the flour time to fully hydrate and the gluten to relax, contributing to a more tender pancake. It also allows the baking powder to start working its magic.
- Proper Pan Temperature: A medium heat setting on your non-stick or cast-iron skillet is crucial. Too hot, and the pancakes will burn before cooking through; too cool, and they won’t brown properly or become fluffy.
The combination of mashed bananas, tangy buttermilk, and the gentle touch of baking powder and baking soda creates a pancake that is moist, tender, and beautifully rises on the griddle. Each bite delivers that comforting banana bread flavor, but in a light, pancake form.


Banana Pancakes with Coconut Caramel Syrup
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Ingredients
For the Homemade Coconut Caramel Syrup:
- ½ cup packed dark or light brown sugar
- ½ cup (120 mL) light coconut milk
- pinch kosher salt
- ½ teaspoon pure vanilla extract
For the Fluffy Banana Pancakes:
- 1 cup + 2 tablespoons (136g) unbleached all-purpose flour
- 1 tablespoon (12g) granulated sugar
- 1 teaspoon baking powder
- ½ teaspoon baking soda
- ¼ teaspoon kosher salt
- 1 cup (240 mL) buttermilk
- 1½ very ripe bananas mashed (about ¾ cup)
- 1 large egg
- 1 tablespoon (15g) unsalted butter melted, plus more for cooking the pancakes
Recommended Toppings:
- fresh banana slices optional, for extra banana flavor and presentation
- homemade coconut caramel syrup or pure maple syrup as prepared above, or your favorite syrup
- toasted shredded coconut optional, for added texture and coconut flavor
Instructions & Tips for Success
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1. Prepare the Coconut Caramel Syrup: In a small saucepan, combine the brown sugar, light coconut milk, and a pinch of kosher salt. Whisk these ingredients together thoroughly until the brown sugar has largely dissolved. Bring the mixture to a low boil over medium heat, then reduce the heat slightly and continue to gently boil for 2 to 3 minutes, stirring occasionally, until the syrup begins to visibly thicken. The consistency should be similar to traditional maple syrup when warm. Remove the saucepan from the heat, then stir in the pure vanilla extract. Keep the syrup warm for serving immediately, or allow it to cool slightly before transferring to a covered container. Leftover coconut caramel syrup can be stored in the refrigerator for up to 7 days; reheat gently before serving for best results.
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2. Prepare the Dry Ingredients for Pancakes: In a medium-sized mixing bowl, whisk together the unbleached all-purpose flour, granulated sugar, baking powder, baking soda, and kosher salt. Ensure these dry ingredients are well combined to distribute the leavening agents evenly.
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3. Combine Wet Ingredients: In a separate, larger bowl, whisk together the buttermilk, mashed very ripe bananas (aim for about ¾ cup of mashed banana), large egg, and melted unsalted butter until smoothly combined.
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4. Mix Batter and Rest: Pour the liquid ingredients from the second bowl into the bowl with the flour mixture. Using a spatula or wooden spoon, gently fold and stir the ingredients together until they are just combined. It’s crucial not to overmix the batter; a few small lumps are perfectly acceptable and will result in fluffier pancakes. Allow the pancake batter to sit undisturbed for 10 minutes. This resting period allows the flour to fully hydrate and the leavening agents to begin reacting, contributing to tender, airy pancakes.
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5. Cook the Pancakes: Heat a small pat of unsalted butter (or a neutral oil) in a large non-stick skillet or cast-iron griddle over medium heat. Once the butter has melted and begins to sizzle gently, spoon the pancake batter onto the pan, forming pancakes approximately 5 to 6 inches in diameter. Be careful not to overcrowd the pan, as this can lower the pan temperature and make flipping difficult.
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6. Flip and Finish: Cook the pancakes for 2-3 minutes on the first side, or until you see bubbles forming on the tops and the edges appear set. Carefully flip each pancake with a spatula and continue to cook on the other side for another 1-2 minutes, or until golden brown and cooked through. Adjust the heat as necessary between batches to maintain an even cooking temperature. Serve the hot, fluffy pancakes immediately with your warm homemade coconut caramel syrup. Garnish with fresh banana slices or toasted shredded coconut for an extra special touch, if desired.
Expert Tips for the Best Fluffy Banana Pancakes and Coconut Caramel Syrup
To ensure your banana pancakes with coconut caramel syrup turn out perfectly every time, keep these tips in mind:
- For the Syrup: Don’t boil the syrup for too long, as it will continue to thicken as it cools. If it becomes too thick, simply add a splash more coconut milk or water and gently reheat. If it’s too thin, simmer for another minute or two.
- For the Pancakes:
- Mashed Bananas: Ensure your bananas are truly ripe for maximum flavor and sweetness. They should be easy to mash with a fork.
- Don’t Overmix: This is key! Overmixing develops gluten in the flour, leading to tough, chewy pancakes. Mix until just combined, even if there are a few lumps.
- Grease Your Pan Lightly: A small pat of butter or a light spray of oil is all you need for each batch. Too much fat will make your pancakes greasy.
- Consistent Heat: Maintaining a consistent medium heat is vital. If the pan gets too hot, the outsides will burn before the insides cook. If it’s too cool, the pancakes will be dense. Adjust as needed between batches.
- Watch for Bubbles: The bubbles forming on the surface of the pancake are your cue to flip. When they start to pop and the edges look dry, it’s time!
- Keep Pancakes Warm: If you’re cooking for a crowd, you can keep finished pancakes warm on a baking sheet in a low oven (around 200°F / 95°C) while you cook the remaining batter.
Serving Suggestions & Variations
While these banana pancakes and coconut caramel syrup are a match made in heaven on their own, don’t hesitate to get creative with additional toppings and variations:
- Classic Toppings: A dollop of whipped cream, a dusting of powdered sugar, or a sprinkle of toasted pecans or walnuts would be delightful.
- Fresh Fruit: Besides banana slices, consider fresh berries (strawberries, blueberries, raspberries) or even a tropical fruit salad on the side.
- Chocolate Chips: Fold a handful of mini chocolate chips into the pancake batter for a classic pairing with banana.
- Spiced Pancakes: Add a pinch of cinnamon or nutmeg to the pancake batter for an extra layer of warmth.
- Nut Butter: A smear of almond or peanut butter on top of the pancakes adds protein and a delicious nutty flavor.
- Coconut Flakes: Toasted shredded coconut sprinkled over the top enhances the coconut flavor of the syrup and adds a lovely crunch.
Storage and Reheating
Got leftovers? Lucky you!
- Pancakes: Cooked pancakes can be stored in an airtight container in the refrigerator for up to 3-4 days. For longer storage, freeze them in a single layer on a baking sheet until solid, then transfer to a freezer-safe bag or container for up to 1-2 months. Reheat in a toaster, microwave, or on a griddle until warmed through.
- Coconut Caramel Syrup: Store leftover syrup in a covered container in the refrigerator for up to 7 days. It will thicken considerably when chilled. Gently reheat on the stovetop over low heat or in the microwave until it reaches your desired pourable consistency.
Frequently Asked Questions (FAQs)
Can I use regular milk instead of buttermilk?
While buttermilk is highly recommended for the best fluffy texture, you can make a quick substitute. Add 1 tablespoon of white vinegar or lemon juice to a liquid measuring cup, then fill it up to the 1-cup line with regular milk. Stir and let it sit for 5-10 minutes until it slightly curdles. This “soured milk” will work similarly to buttermilk in the recipe.
Can I make these banana pancakes gluten-free?
Yes, you can! For a gluten-free version, substitute the unbleached all-purpose flour with a 1:1 gluten-free all-purpose flour blend that contains xanthan gum. The texture might vary slightly, but they should still be delicious and fluffy.
My coconut caramel syrup turned out too thick/thin. What can I do?
If your syrup is too thick after cooling, gently reheat it on the stovetop over low heat and whisk in a tablespoon or two of additional light coconut milk or water until it reaches your desired consistency. If it’s too thin, return it to the saucepan and simmer for another 1-2 minutes until it thickens slightly, being careful not to overcook.
How can I tell if my bananas are ripe enough for this recipe?
For the best flavor and sweetness in banana pancakes, use very ripe bananas. They should have plenty of brown spots on their peel and feel soft to the touch. The softer and spottier, the better for mashing and incorporating into the batter.
I genuinely hope you try these incredible Fluffy Banana Pancakes with Homemade 3-Ingredient Coconut Caramel Syrup. They are more than just a meal; they’re a moment of pure comfort and culinary delight, perfect for sharing with loved ones or savoring on a quiet morning. Enjoy every delicious bite!