Private Client means, "go do everything yourself in private"

I've been trying to conclude a home loan.

FNB as a whole including Private bankers provide zero input and stagnate the process, there is absolutely zero due diligence done an any processes whatsoever. Queries and documentation needs constant resubmission regardless of what is on record and requested input is left without response. FNB simply ignore requests for required policy information to force you to buy their overly inflated loop-hole filled insurance policies at the last minute for a cheap commission.

I would have opted for another lender if I knew the service would be this terrible.