Fnb homeloans and credit department are pathetic

Good day, so my husband works for fnb. We have app**** for a home loan and it was declined, reasons provided is affordability. I am of the view that we do qualify for the home loan and fnb is just pathetic. A staff discount is applicable to my husband and he gets a 50% discount on the conveyancing fees so why is this being refused? Because if we go to another bank we will loose out on the benefits fnb gives to staff. And i know we will qualify at another bank. When we app**** for our current bond fnb also declined us at 1st due to affordability. My husband who was also working at fnb at the time had to take a home loan with another bank loosing all his benefits as he had to proof for 6 months that he can afford it. We then app**** after six months for a bond switch at fnb and it was approved. Why? Why was it not approved the 1st time? Costing us way more money that fnb claimed we could not afford. Anyway so we wanted a 2nd property. On 2 occasions we were approved for another home loan with fnb, taking into account we were keeping our current property. The 2 bonds together would have been 1.4 m that we had to repay and there were no issues of affordability. We were approved twice. But the sales didnt go through as the sellers count not provide the building plans. So now we see our dream home. We decide to sell our current house and put down a deposit on the new property. We then only app**** for the balance which was 1 250 000 and added a extra 100 000 to cover the costs and settle a staff loan. So the total app**** for was 1 350 000 and fnb declines it? How? Why? We would only have this 1 home loan to pay. With my husband' s staff discount with the low prime rate we would only have to repay +/-9000 a month. Taking into account the 5500 we currently already paying and 1000 leavy. We would literally be paying a +/- 2500 more. We are totally able to afford it. Before we would have paid +/- R13000 a month on both home loans. So how do we not qualify this time. On one of the previous applications one of your credit consultants could not calculate the affordability. She deducted stuff like medical aid and his staff loan again from his nett salary when this has been deducted off his bruto already. So how do i know that the person at credit calculated the affordibilty correct this time. I would like answers urgently from your manager at home loans and the credit manager. I want to speak to your ceo if i have to. This is unacceptable. You appoint people that is not competent to do their job. My husband works for you. And i am an admitted attorney with an LLB degree. Fnb treating us like unemployed people who will not be able to repay our home loan. Pathetic. This is very very urgent as we have signed an opt to sell our current home. But we can only sell if we will be buying the other property. I would like to see a break down of how you get to the conclusion that we can not afford this home loan taking into account all the above. You can email me on ***