On a work surface, lay out a slice of bread and spread with mustard. Top with 1 slice of cheddar or shredded cheese, add thinly sliced apples and then top with second slice of bread.

Combine the egg and milk in a bowl. Heat a skillet over medium-high heat. Spray with cooking spray.  Dip sandwich into the gg batter to evenly coat.  Place in the hot skillet, fry, turning once until both sides are golden.  About 5 minutes total.

Transfer to a plate, cut in half and serve with chutney.