15 Years Customer - Disappointing!!!

I have been a Standard Bank Customer for over 15 years. I have been loyal to Standard bank throughout the years. We have decided to buy a new house and are not in arrears with the few accounts that we do have(Which is less than 5) And Standard Bank only wants to give us a 90% home loan, You are our bank and we expect the best service from you and also for you to start being loyal to your customers!!!! You are very fast to take our money when are are you guys going to start helping us and seeing your clients also prosper in Life? I would think that if our accounts are few , we would stand a better chance yet it seems it seems you guys want us to be in debt to make debt. Who do we speak to to appeal this???? I am really flabbergasted as we are first time buyers !