Preheat the oven to 200° C (400° F)
Prep. time: 5-10 minutes
Baking time: 20 minutes

1. Butter or grease the muffin tins. 
2. In a bowl combine the dry ingredients: flour, baking powder and salt. 
3. In another bowl, whisk the egg with the buttermilk and oil; add the diced ham and cheese. 
4. Combine the wet and dry mixtures without overmixing. 
5. Fill the muffin tins about 3/4 full. Bake for about 20 minutes, until lightly browned. Cool before unmolding.