I have two questions, I have a loan secured on my house and I have had an offer on my house but the amount wont cover all the loan, I have enough to pay the mortage but because I am paying my mortgage it off in september rather than January when the fixed 3 years are up I have to pay an earlier repayment fee of 4k. Firstly is there anyway this amount can be lowered and second what will happen to the £2k downfall I am missing from my loan...please help