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oven to 220°C.
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Heat a drizzle of oil in an oven-proof fry-pan on medium-high heat. Fry beef mince, breaking up with a wooden spoon, for about 4 minutes or until just cooked. Add nacho seasoning and fry a further 1 minute, until fragrant.
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Reduce heat to low and add chilli beans, stock, tomato paste, courgette, carrots and salt. Leave to simmer for 13–15 minutes, stirring occasionally.
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While mince and beans simmer, prepare the rest of the meal. Dice tomatoes 1cm; roughly chop coriander (if using); mix sour cream with sweet chilli sauce (if using), or keep plain.
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Sprinkle beef mixture with cheese and place in oven for 1–2 minutes, or until cheese is melted. Top with diced tomato and coriander (if using).
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Spoon nacho mixture onto plates and serve with some chips and a dollop of sour cream and sweet chilli (if using). Garnish with coriander if desired.