FNB Home loans division

Good day

I have been banking with FNB for the past 2 years, I've app**** for home load 2 times, declined even though my affordability allows me. I'm currently repaying my debts R6097,12 reflected in my statement but everytime I apply through the app I am declined. I am willing to pay a deposit if needs be but I should qualify for atleast 500k.