SA HOME LOANS Interest rate ****!!! Be aware people!!!

I would like to know why SA Home loans are the only financial institutions that increase their interest rate higher the what is prescribed by the reserve bank. SA home loans are on a 3 month cycle, To review my bonds interest rate. In November the Reserve Bank hiked the repo rate by 75 basis points my, My interest review from SA home loans were due end of December 2022 and it was hiked up with a 130 Basis points this is absolute Madness!!!!! This trend has been persistent for the entire year of 2022. I called on numerous occasions to find out why they would hike the interest rate higher the the Reserve Bank and the answer I get is that the don't form part of the traditional banking system and that they have the right to rise the prime lending rate (interest) when they want and by what amounts they decide. They have there own rules which they are not governed by anyone. Repo rate increased in 2022 by 300 Basis points where as my interest rate increased by 360 Basis points in 2022 due to SA home loans having their own rules.