There was a time when one has to beg the bank manager to get a loan. Not any more. A couple of months ago I went to my local bank branch (!) for an enquiry. And, of course, as part of this particular bank's cross-selling strategy, they offered me a home loan.
Given that I haven't thought that much about purchasing property as yet, I politely declined. They promised to call me back in six months' time.
That's why speeches like this one are so interesting.