What you are asking for is not called a load-balancer - that term is usually reserved for appliances which balance incoming traffic across multiple servers.
It's the clients that are the problem here, so what you're after is quality of service (QoS) management.
Unfortunately, you're mostly at the wrong end of the link to prevent an individual client from clogging your line. Normally the place to throttle a client is on the transmit part of the link, and for internet downloads that's at your ISPs end of your internet connection.
If there's a particular application (e.g. inbound e-mail) which you want to ensure always works, ask your ISP if they've got any QoS features that can reserve some of your 10 Mbps for that. Without that, every TCP connection will use as much of the bandwidth as its able to.