You think it is your client.
It is not.
The moment you place that mortgage with a lender, that client has more interaction with the bank than with you. Daily banking. Credit cards. Portals. Retention teams. You got paid for a transaction and then disappeared.
Four years later you show up asking for loyalty.
Why would they owe you anything.
A renewal is not a favour. It is a re-audition. You are competing against the lender every single time.
If you want to win renewals, stop assuming ownership and start earning it again.
