Switching banks somehow means selling property?

I tried to switch my bond to fnb. After almost two months of dragging this out, 3 weeks of dealing with a person who claimed my income was a lie, I'm told I don't qualify because I can't afford it.

How can I not afford it if I'm already paying for it? It's to SWITCH a bond not apply for a new one. I specify this because the person who claimed I **** about my income said I can't afford it because I'm not selling a property. Why would a sale be involved in a switch?? Is there someone who can explain this before I switch banks?