Poor service from FNB

So I have an existing FNB home loan and I am in the process of renovating my house top to bottom to improve on the old finishes, kitchen, bathrooms, tiles, lights and doors. As it goes, I am slighlty oover budget so I app**** for FNB Home Loans Re-Advance for R65000.00. This is not a high value in relation to the value of the property and on what I still owe FNB on the original home loan. My application was approved. FNB sent out an evaluator to confirm the property value etc. I was told today that my loan will only be paid out once I have recieved a municipal clearance certificate stating that they are satisfied with the building renovations. Since I have made no structural changes whatsoever, municipal approvals are not required. The municipality certainly is not interested in the type of shower,baths,kitchen and tiles I have selected. I explained this to the banker dealing with the loan and she has sent my concern to the relevant department as there is a clear lack of communication within the FNB structures. This has resulted in an unnecessary delay in my loan and is highly frustrating.