I'm amazed. Our overdraft is only £15k, mortgage of £250k and we've been with them for 20 years. Excellent service.Tried them and they didn’t want to know.
On my property side I had 1 million debt with 2 million equity. I was after getting it all under 1 roof and at the time I wanted to buy a fairly high risk venture. I’m sure it would have been ok but they said no .
Asset rich cash poor
It may be because we have a debt:asset ratio better than 1:8 though.