Complaint Regarding Further Loan Application

At the time of taking out the home loan, SA Homeloans was exceptional, but over the years, we have felt a decline in the level of service. Though I have struggled to pinpoint the issue, it seems there is a lack of a human element in your current processes. I have just app**** for an advance on my homeloan which has been declined due to affordability concerns as the home is registered in my name. We are a three income household and we contribute to all expenses however, one major issue mentioned was the utility bill is paid by my husband and in my name it is considered my expense. The evaluation of my loan application feels overly mechanical, focusing only on items in my name without considering the broader context of my household’s financial situation. I call the accuracy of the evaluation process into issue.