Internal switch is a new bond to drain clients

After being a client for years, financed 3 properties we did not get the same service as before. With our new bond a sum was financed so if we need to renovate, we could apply for it. My husband sold 2 properties and 2 cars and pay R4000 more on the bond. All of the sudden when we needed the funds, he could not afford it (while his expenses was less)? They offer to internally switch to a new bond which would be more expensive and the money already paid is gone.. A new bond and new term.. We aim to pay off before he retire. Nothing make sense and the personal support that we use to get from SAHLl is history For this reason I recommend to my children to make use of another institution, the bought a property and got financed with good interest and support