Home Loan declined : No further informatioon

I app**** for a homeloan 6 months ago, and was advised that i qualified for a bond of 1.3M. <br> earlier this month, i made an offer on a property and with the OTP, contacted standard bank to get a bond.<br> My prestige banker, saw no urgency on this, and delayed for over a week and eventually just ignored my emails.i eventually decided to do an online application,no succes .I then called the call centre, and they procceeeded to assist me, however the consultant seemed to have confused the figures and was approved for an 80% bond. I emailed my prestige banker asking her to check my application and verify the amounts, as it didnt sound correct, she responded saying that due to my income and interest rates going up, i only qualify for ****? i went back telling her that doesnt make sense as the calculator showed a different amount. she advised me to go to a branch??? so much for prestige service!! Went to the branch, did the app,came back declined on affordibility and track record. i asked the consultant to explain further, as i had paid up all my accounts and had a salary increase - said i need to find out myself. Why have i been declined? I recently sold a property i owned for almost 5 yrs