If you are looking for a way to disconnect loads from the battery when it goes down to a certain level, you could have a look at the Victron Battery Protect devices:
www.onboardenergydirect.co.uk
Red excess power useage, It is a nice idea, but ...
1) A Fan ... That will be using "solar power" anyway if the panels are capable of putting extra power into the battery at that time. The Solar Controller should be automatically increasing its output to supply additional power.
2) A Heater ... now THAT is the kind of load where you get really maximise the solar - but if the solar was able to deliver a lot more, the chances are you wouldn't want a heater on as it will be a nice warm day - at least a Space Heater.
A Water Heater makes the most sense to use the Power.
Streetsleepers system turns on the relay when the voltage hits a certain value and turns on the heater for a set-time.
I have my own system setup so the relay in the monitor switches on when the Battery hits a certain SOC percentage, and then the relay goes off again when the SOC drops to another lower percentage value. When the relay is on, the water heater is powered up.
More info is here -
http://www.motorhomebuilder.com/threads/240ac-electric-hot-water-in-campervan.66462/
It works pretty well, but you do need some kind of SOC Battery Monitor with a built-in programmable relay, such as the Victron BMV ones in order for your automated system to both know you have potential excess power AND do something with it.
An alternative is the manual option ... use higher power devices during the day if the batteries are looking good and solar is harvesting well. Slow Cooker, Electric Hob for cooking instead of Gas, etc.
Ref later post:
Ok. I've had a quick look for a "battery monitor fitted with a programmable relay", but I can't find anything for those search terms.
The Victron BMV-701 will provide that
Would another split charge relay between the leisure side of the current system and the "high voltage load" load work?
How would that relay know when the Battery is full and you have excess power?