Request for Manual Review of Declined Home Loan Application with ABSA Home Loans

I am extremely disappointed with ABSA Home Loans.

My home loan application was declined based on my credit score, yet this is the same score that ABSA used to approve my vehicle finance. I have been paying my vehicle instalments consistently for almost 8 months without missing a single payment.

What makes this even more disappointing is that I am a loyal ABSA client. I have vehicle finance and insurance with ABSA, yet when I need support for a bond of only R300,000, I am declined without proper consideration of my good payment behaviour and relationship with the bank.

I would therefore like to formally request a manual review of my application, taking into account my repayment history, affordability and overall conduct as an ABSA client, rather than relying solely on an automated credit score assessment.

I expected better consideration from a bank I have supported and remained loyal to.

Very disappointing experience from ABSA Home Loans.