Thanks I’ll try that if it doesn’t work I’ll just leave like R15k on the home loan until my bond is 2 years old and if they still give excuses. I’ll just close it and open a 2nd standard bank homeloan since my brother gets prime -2.5. We been destroying our fnb homeloan each month cause the interest is fairly high for our credit risk.They use that 2 year nonsense just to buy time. When you call them back after 2 years they have a new excuse. Money talks and all the banks care about is losing the deal which means you need to go through the effort of getting additional quotes from other banks.
Bring in a cheaper rate and FNB will match on the spot, 2 years or not.