Begin by thoroughly washing your strawberries, grapes, blueberries, and kiwi under cool running water to remove any dirt. Chop the strawberries into bite-sized pieces, slice the grapes in halves, and peel and chop the kiwi. Then, dice the apple and slice the bananas just before you’re ready to serve, to maintain freshness and prevent browning.

In a mixing bowl, combine a generous amount of sweetened condensed milk, heavy cream, and milk. Using a whisk, mix these ingredients together until you achieve a smooth and creamy consistency. The dressing should be rich yet pourable; feel free to adjust the milk for desired thickness, ensuring it perfectly coats the fruits.

Carefully fold the prepared fruits into the creamy dressing, ensuring each piece is well-coated without mashing them. Use a spatula or large spoon to gently toss the mixture until all the fruits are evenly enveloped in the dressing.

Transfer the assembled Fruit Salad with Condensed Milk into a serving bowl, and garnish with additional chopped fruits or a mint sprig if desired. Serve immediately to ensure freshness.