Preheat the oven to 180℃/160℃ fan/gas 4/355℉. Pour 120ml milk over the bread and mix until well combined. Set aside to soak.
Meanwhile, fry the onions in the oil until translucent. Add the garlic, ginger, 2 bay leaves and beef mince and stir well, crushing the mince into fine grains until it changes colour.
Add in the mild curry powder, all-spice, cloves, white pepper, dried mixed herbs, raisins, apricot chutney, turmeric and 2 of the bay leaves. Mix until well combined. Add 1/2 cup water and juice from half a lemon (This is optional and depends on if you'd like to add a touch of acidity to the dish). Cook for around 5mins. I added about 1/2 tsp of salt when grinding the all-spice and cloves but you are able to salt to taste in the next step.
Remove the mince mixture from the heat as well as the bay leaves. Add in the soaked bread and stir until well combined and season generously but according to your preference.
Spread the mixture evenly into your ovenproof dish, ensuring it's firmly pressed down and even on top.