FNB’s home loan switch offer and Private Clients/Credit

I would like to lodge a complaint about FNB’s home loan switch offer.

FNB advertises a special for taking over an existing home loan. However, the process has been unnecessarily slow and frustrating. It took weeks just to receive a decent offer, which was then made subject to me opening a cheque account with them.

Once the home loan offer was acceptable, I instructed FNB to proceed with opening the cheque account, but requested that I receive an overdraft facility and interest rate comparable to what I currently have. Instead of a smooth process, it took another three weeks of back-and-forth communication, only to be told that if I apply for overdraft on the new cheque account, they would have to re-evaluate the home loan. Alternatively, I was advised to first proceed with the home loan and then only open the cheque account—meaning I would lose the benefits of the special offer, such as eBucks rewards and the rate reduction linked to a full banking suite.

This makes no sense. Why does FNB advertise these switch offers if it is practically impossible for a client to get a comparative, holistic package that aligns with what they already have?