Application refused

App**** for a further home loan to consolidate debt incurred for home rennovations.<br> <br> Found out today that my application was declined on the basis of affordability, however the monthly income that Standard Bank used to base this on is incorrect based on what I actually get out on a monthly basis, on top of this I stated that the further home loan would settle some of my monthly payments and in turn increase my affordability.<br> <br> When explaining this all I get from Standard Bank is that this is their criteria and this is how it works. This is ridiculous when based on Standard Bank's Criteria my affordability Monthly is reduced by a large amount.<br> <br> I will be inquiring about moving my home loan to where ever possible as a result of this as I see this as ridiculous poor service and unwillingness to maintain my happiness as a consistently paying client.