Being a loyal FNB client but given **** interest rate after review

i received a homeloan from FNB in 2016, and they afforded me 14.6 for 3 years on a fixed rate. Currently they reviewed my interest rate and gave me the following options: Variable : 12, 99 % and Fixed: 13, 6 I am not happy at all my salary is paid at FNB, I have a credit card, home loan, Funeral cover, and my car is financed by Wesbank. this bank cannot give me a better rate on my homeloan the guy i spoke to when i tried to look for a new review told me i can go to any bank and give them my current homeloan statement i never missed any payment with them I feel cheated I have been a loyal client with fnb paying each an every fees for each account I have i have and this the best i can get. I am really dissapointed.