Disappointed with FNB Home Loans Interest Rate Offer After 15 Years with FNB (And Relative to other Banks)

I app**** for a bond with FNB on about the 31st of May. The application process through the FNB app is horrific compared to the other banks with a very slow and non-user-friendly.

Apart from that, I have then banked with FNB for the last +-15 years, financed my current house with FNB and my most recent vehicle with Wesbank. My credit record is excellent and I have sufficient income for this new property. The bond was granted, but at a rate far from what other banks could offer me. FNB offered my prime minus 1.3% at best while both both Nedbank and Standard Bank offered prime minus 1.75%. After having built a relationship with FNB over so long, the reasons for this weren't even clearly provided.

To say I am highly disappointed in the rate offered and inability to match your competitors is an understatement.

For the record I dealt with Zama Modiga who was okay for the most part.

I am hoping for a better offer if escalated to higher levels or at the very least the reasons for this outcome.