Zero logic, lack of basic maths during calculations and unanswered questions

We app**** for re-advances and possibly further lending on 2* separate FNB loans on 14 July 2023 (I'm posting this on 20 Sept 2023 - more than 2 months later).

There seems to be absolutely zero logic app**** by the FNB credit dept when it comes to their pricing - noting that in the case of a further lending application, they do a valuation which they use to calculate an "available amount" on each specific property - and then allocate you with a certain % of that available amount that you can borrow - based on your credit profile/risk as assessed by FNB.

Picture this - on our first application, after the valuation, they calculated an "available amount" of R578000, but were only willing to borrow us 85% of that at 12.14%. On the second application - for which we only received the outcome AFTER the first application, the available amount was R890000 and they willing to provide 100% of that to us a lower interest rate, 11.7%... noting that both applications were done on EXACTLY the same information provided. How is it possible that 1. It can be deemed that we can only borrow 85% of the smaller available amount and 2. They will be willing to borrow us a higher amount at a lower interest rate on the 2nd application??

I've asked this question to multiple FNB staff, all of whom agreed that clearly this doesn't make any sense - yet when I asked if they can thus please request the credit dept to review the offer on the first loan, the answer was simply "no - credit says this is the best we can offer" - without providing any reasoning for the decisions (obviously - because clearly whoever dealt with the first application didn't apply the correct logic when compared to the second offer).

They then told me that they suggest that I rather apply to consolidate both loans into one, and that that would result in a much better overall deal, which I did but don't find the overall deal to be a better option than the 2*separate re-advance quotes that I received - due to highly inflated interest rate in order to take out further lending - even after taking their own current-market-values into account.

I explained this to them in as much as possible detail, waited for 7 more business days, only to hear this morning "Unfortunately this is the best the pricing team can offer".

*Noting that part of the "breakdown" that they sent me to explain "how much better" the consolidated loan is vs the other options, takes the 2 loans - of very different loan amounts - and simply take their separate interest rates, add them together and then divide them by 2 and then they claim that to be the "average interest rate" used for the comparison (instead of using a weighted average based on each loan's amount) - the fact they they can send me a calculation with such basic mathematical errors just shows me how little effort/knowledge goes into these applications, which is why we as their clients (who are busy paying them millions in interest) are the ones who are coming second... I'm busy shopping around to now rather move both of these loans to another bank where more logic/proper maths actually gets app****... would suggest anyone else with a FNB loan to do the same...