Zero personalisation in bond app process

I app**** for a bond of 1.9 million Rand on a property priced at R2.825 million, I was going to put down a R925 000 rand deposit (32%). <br> I have 3 other rental properties, all of which are running at a net profit against their monthly cost, and you used this as excuse not to provide me with a bond , even after I provided you with leases and proof of monthly income. What makes it worse is you have full access to all my accounts, and all my bonds are with you so should have quite easily seen there has never been a single issue with the manner in which I have handled my accounts.<br> When you brought up the ridiculous excuse that my exposure was too high as all my properties may be defaulted on at the same time (Ridiculous proposition) I offered to take out rental insurance and pay it up for a length of time on all properties, which would have mitigated any risk you would have on the rental income. You in turn said this did not fit your structures and the income from the rental properties could not be used, effectively writing off R23 000 rand from my income.<br> What I could not achieve in a week of negotiating with FNB, I got initial approval in 4 hours from another institution.<br>