I have had a go at this & can report the following:
I removed the black plastic duct above the radiator & the top of the fan housing. When trying to spin the fan by hand, there seemed to be quite a lot of resistance, so decided to strip it down for a look. It's a 5 minute job to get the fan & motor out, but DONT attempt to strip the motor unless you are feeling brave. There is a very strong magnet which makes removing the armature very difficult & then the brushes fall out! I found that even after a thorough clean of all the bits & light lubrication of the bearings, that it made no difference to being able to rotate the fan - it is just not very free running. Whilst it was apart, I cleaned all the dust & crud from rest of the ducting & found where part of the problem may lie. When I removed the last part of the ducting (undo the engine fuses first), this exposes the heater matrix & it was full of dust, straw, leaves & dead insects:
I carefully removed what I could using a vacuum cleaner & soft paint brush to loosen the debris. I cannot say for certain that there is anymore airflow at the vents, but i'm sure it must have made some improvement & I am happy that the air that is coming in is probably much fresher as a result.
I would not recommend taking the fan apart unless it is really seized up, in which case the fan resistor pack will probably be fried too. The rest of the job could easily be tackled in under an hour using 10mm & 8mm sockets, cross head screwdriver, warm soapy water, cleaning cloth, vacuum cleaner & small brush. WARNING: the fins on the heater matrix are fragile - be very careful not too damage them. Would also advise disconnecting the battery too as the fuse box needs to be unbolted. I would not advise anyone to do this unless they are competant doing this sort of work.