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                                                                    Exhibit 99.3

                           CHAMPION ENTERPRISES, INC.
                            OFFER FOR ALL OUTSTANDING
                      7 5/8% SENIOR NOTES DUE MAY 15, 2009
                                 IN EXCHANGE FOR
                      7 5/8% SENIOR NOTES DUE MAY 15, 2009,
                        WHICH HAVE BEEN REGISTERED UNDER
                           THE SECURITIES ACT OF 1933,
                                   AS AMENDED

TO OUR CLIENTS:

         Enclosed for your consideration is a Prospectus, dated _________, 1999
(the "Prospectus"), and the related Letter of Transmittal (the "Letter of
Transmittal"), relating to the offer (the "Exchange Offer") of Champion
Enterprises, Inc. (the "Company") to exchange its 7 5/8% Senior Notes due May
15, 2009, which have been registered under the Securities Act of 1933, as
amended (the "Exchange Notes"), for its outstanding 7 5/8% Senior Notes due May
15, 2009 (the "Original Notes"), upon the terms and subject to the conditions
described in the Prospectus and the Letter of Transmittal. The Exchange Offer is
being made in order to satisfy certain obligations of the Company contained in
the Registration Rights Agreement dated April 28, 1999, by and among the Company
and the initial purchasers referred to therein.

         This material is being forwarded to you as the beneficial owner of the
Original Notes held by us for your account but not registered in your name. A
TENDER OF SUCH ORIGINAL NOTES MAY ONLY BE MADE BY US AS THE HOLDER OF RECORD AND
PURSUANT TO YOUR INSTRUCTIONS.

         Accordingly, we request instructions as to whether you wish us to
tender on your behalf the Original Notes held by us for your account, pursuant
to the terms and conditions set forth in the enclosed Prospectus and Letter of
Transmittal.

         Your instructions should be forwarded to us as promptly as possible in
order to permit us to tender the Original Notes on your behalf in accordance
with the provisions of the Exchange Offer. The Exchange Offer will expire at
5:00 P.M., New York City time, on _________, 1999, unless extended by the
Company. Any Original Notes tendered pursuant to the Exchange Offer may be
withdrawn at any time before the Expiration Date.

         Your attention is directed to the following:

         1. The Exchange Offer is for any and all Original Notes.

         2. The Exchange Offer is subject to certain conditions set forth in the
Prospectus in the section captioned "The Exchange Offer--Certain Conditions to
the Exchange Offer."

         3. Any transfer taxes incident to the transfer of Original Notes from
the holder to the Company will be paid by the Company, except as otherwise
provided in the Instructions in the Letter of Transmittal.

         4. The Exchange Offer expires at 5:00 P.M., New York City time, on
_________, 1999, unless extended by the Company.

         If you wish to have us tender your Original Notes, please so instruct
us by completing, executing and returning to us the instruction form on the back
of this letter. THE LETTER OF TRANSMITTAL IS FURNISHED TO YOU FOR INFORMATION
ONLY AND MAY NOT BE USED DIRECTLY BY YOU TO TENDER ORIGINAL NOTES.

                          INSTRUCTIONS WITH RESPECT TO
                               THE EXCHANGE OFFER

         The undersigned acknowledge(s) receipt of your letter and the enclosed
material referred to therein relating to the Exchange Offer made by Champion
Enterprises, Inc. with respect to its Original Notes.

         This will instruct you to tender the Original Notes held by you for the
account of the undersigned, upon and subject to the terms and conditions set
forth in the Prospectus and the related Letter of Transmittal.
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         Please tender the Original Notes held by you for my account as
indicated below:

   7 5/8% Senior Notes due May 15, 2009  $
                                           ------------------------------------
                                           (Aggregate Principal Amount of
                                            Original Notes)

/ / Please do not tender any Original Notes held by you for my account.


Dated:____________, 1999

Signature(s):__________________________________________________________________

Print Name(s) here:____________________________________________________________

Print Address(es):_____________________________________________________________

Area Code and Telephone Number(s):_____________________________________________

Tax Identification or Social Security Number(s):_______________________________

         None of the Original Notes held by us for your account will be tendered
unless we receive written instructions from you to do so. Unless a specific
contrary instruction is given in the space provided, your signature(s) hereon
shall constitute an instruction to us to tender all the Original Notes held by
us for your account.

   THIS FORM MUST BE RETURNED TO THE BROKERAGE FIRM MAINTAINING YOUR ACCOUNT.