Slice your bread into approximately ½ inch (1cm) thick slices and spread margarine on one side of each slice. Place margarine sides together and add mozzarella slices and ham. Make into a sandwich with margarine sides on the outside.  Heat three tablespoons of oil in a pan over a low to medium heat and add sandwiches and cook on one side for 3-4 minutes or until golden brown. Carefully turn over and cook for a further 3-4 minutes or until mozzarella is starting to melt, adding more oil to the pan if necessary. Top with grated mozzarella and place under a hot pre heated grill until all the mozzarella on top has melted. Enjoy on its own or with a dressed salad.