Disappointed

I am writing to formally raise my concern and disappointment regarding the recent outcome of my home loan application, which was approved for only 78% of the property value.

As a long standing and loyal client of Standard Bank, both personally and through our business accounts, I truly expected a more supportive outcome, particularly given my consistent banking history, active relationship with the bank, and the fact that all my financial affairs, including personal and business transactions, are already with Standard Bank.

It is deeply disappointing that my own bank, which has had full visibility into my financial position and commitment over the years, could not offer 100% financing. This decision places me in a difficult position, especially as competing institutions have indicated they would be willing to provide full funding should we consider moving our banking portfolios to them; something I would prefer not to do.

I respectfully request that this matter be reviewed and reconsidered.

I appreciate your attention to this matter and look forward to your prompt response.