Long client of standard bank

I am a 64 year old male. I am currently goint through financial difficulties. I was a loyal client of standard bank for very long time, but because of my financial difficulties the past couple of months some of my debit orders returned which affects my my credit score. I have a full paid up house on which i previously had a bond at Standard bank. my house is worth 2 million rand. I approached standard bank for a loan on my house which i wants to use collateral. The bank delined me because of affordability. I am currently earning a salary as pensioner R18300 per month which increase yearly at the end of the financial year. I further work for myself where i earns a slary which varies betweet R15 000 and 28 000 montly but is never less than 15 000. Unfortoruantely i dont payslips for this second stream of income but i do have have proof for it.

Should he bank grants me a loan to settle my outstanding debt I would easily be able to repay them in the prescribe time. I know my age counts against me but i will be able to repay them in five years or even less. Should something unforeseen happens the bank can sell my house to recover their money.

Your response will be highly appreciated.

Regards Peter