Preheat the oven to 350 degrees. In a large measuring cup or bowl, whisk together the milk, eggs, and about half of the cinnamon, nutmeg, ginger, and all spice.
Pour this mixture over the bread in a large mixing bowl. Toss until combined. Set aside and allow the bread to absorb the liquid.
Over medium heat in a large pan, melt the butter.
Generously brush some of the butter on the bottom and sides of a large 9 x 13 inch baking dish. The bread pudding will expand as it bakes.
Sauté the apple in the remaining butter for about 5 minutes.
Stir in the pecans and the rest of the spices.
Add in the water and brown sugar and bring to a boil.
Boil for about 3 minutes or until the liquid thickens slightly.
Pour the bread mixture into the greased dish. Spread into an even layer.
Pour the apples and syrup all over the top of the bread.
Spread the apples so that they are evenly placed on top of the bread.
Bake for 40-50 minutes or until the internal temperature reaches at least 165 degrees and the top is golden brown. Loosely cover with foil if the top begins to brown too quickly.