I am hoping to switch to a different mortgage company soon. I have some spare cash so I want to prepay some of my mortgage before I switch so as to bring down the LTV. But I've asked both companies about prepayments (FA & BOSi) and they both seem to say that I can only either reduce the term life of my mortgage or the lump sum that I prepay will reduce my monthly payments. Does that mean I can't just take a whack of the mortgage?