Try a broker as they will be able to approach a number of banks.
IMO it appearsthat after having done business with banks for a lot of years that they suffer from the same problem that damms a lot of business concerns now and that is the manager is not allowed to deviate for what the book says to do and in most cases the manager has absolutly no knowledge of economics, accountancy or business, in other words 99% of them are not cabable of doing a proper job.
There is also no loyalty given by banks, they would rather spend millions getting new clients rather than look after the existing ones.
Of course if you give them a pack of lies and cook the books they will not have the ability to find fault with your aplication.
If you like the home you are in ask the landlord for a vendors finance deal, then you both win.
As for stepping on a Chinaman, it is a lot easier now than it was and they are part of the problem, ie too many of them buying properties
