Hey.
Honestly you should just speak to a lender/broker. You may not think you are even qualify for a loan (we certainly didn't think we did) but with the first home owners grant used as a deposit you might not have to come up with as much as you thought. As for your loan, you could refinance it to a lower rate therefore making your repayments less, then maybe doing something like Madsmum suggested with adding it onto your mortgage. Your bank will be able to tell you what you need to do and how you may be able to do it to get into your own home sooner.