negative response

Please could someone from FNB Home loans contact me and explain why it is that an original approval for a home loan from FNB had a much lower interest rate than the quotation that we just received from you.<br> <br> More importantly please explain why Standard banks interest rate is lower when I bank with FNB!!! So the bank that I bank with clearly charges ridiculous fees?<br> <br> Please advise because we will then obviously need to change banks to Standard bank. My cell number is ***. ref number: ***