ABSA Home Loan Switch - dont waste your time

I app**** for a Home Loan Switch from Std Bank to ABSA Bank. ABSA supposedly have a product that you can switch your home loan, access equity and settle debt. After requesting information and taking forever to assist with getting the application in, i received a decline letter stating that i would be short around R9000 per month. This is impossible as the reason i wish to switch is to access equity and this frees up approximately R50,000 per month. It appears very apparent to me that ABSA would rather have me paying high interest rates on their short term credit rather than let me consolidate - interest rates of 28% on credit cards are more lucrative than 10% on a home loan. After emailing the consultant (Loren Ndeza) back to ask for her assistance in motivating the application (even where i offer to settle debt up front to improve my chances) - nothing is heard, she has not bothered to get back to me. Simply put, ABSA do not care.