Borrower portal · [Lender Name]

Loans you are a borrower, co-borrower or guarantor on appear here. A loan that was renewed shows its current term, with earlier terms under "Other terms". Paid-off loans stay listed as "Paid off and closed".

A payment is behind: $3,396.50. Please contact us to arrange payment. We're here to help.

Principal balance

$420,000.00

Next payment

$3,146.50

Oct 3, 2026

Interest paid to

Aug 3

Sep 3 payment returned

Maturity

Aug 3, 2027

10 months left

Your mortgage

Rate: 8.99% fixed
Repayment: Interest only
Payment: $3,146.50 monthly on the 3rd
Term: 12 months
Funded: Aug 3, 2026
First payment: Sep 3, 2026

Position: 1st mortgage
Prepayment: 3 months' interest if paid out before maturity
Per diem: $103.45 a day
Reserve held: —
Paid ahead: —
Your role: Borrower · with Rachel Nguyen (co-borrower)

Properties

9 Birchcliff Rd, Scarborough ON M1N 2T4

Security · 1st mortgage · detached house

Insured

55 Pine Cres, Markham ON

Collateral · 2nd charge

Insurance expiring

Your requests on this loan

PR-1048

Payment account change · Sep 30

Submitted

PR-1040

Payout statement · Sep 18

Approved

Guarantors see balances and payments, but not the bank account, and cannot answer renewal offers or change how the loan is paid. The loan's lenders / investors are never shown to borrowers.

Upcoming payments

Due	For	Interest	Principal	Fees / reserve	Amount	Status
Sep 3, 2026	Sep 2026 payment	$3,146.50	$0.00	$250.00	$3,396.50	Overdue
Oct 3, 2026	Oct 2026 payment	$3,146.50	$0.00	$0.00	$3,146.50	Upcoming
Nov 3, 2026	Nov 2026 payment	$3,146.50	$0.00	$0.00	$3,146.50	Upcoming
Dec 3, 2026	Dec 2026 payment	$3,146.50	$0.00	$0.00	$3,146.50	Upcoming

Payment history

Received	Amount	Interest	Principal	Fees / other	Method	Status
Sep 3, 2026	$3,146.50	$3,146.50	$0.00	$0.00	PAD	Returned (NSF)
Aug 3, 2026	$0.00	—	—	—	Deducted at funding	Received

Statements

PDF

Mortgage statement — September 2026

Mortgage statement · Sep 30, 2026 · 88 KB

PDF

Payout statement — Oct 15, 2026 (version 2)

Payout statement · Sep 22, 2026 · 104 KB

Mortgage and annual statements appear here when we issue them.

Documents

PDF

Commitment letter (signed)

Signed document · Jul 24, 2026 · 240 KB

PDF

Mortgage terms summary

Shared by us · Aug 3, 2026 · 64 KB

Files you upload are reviewed first; you'll see them under Documents right away.

Mockup — renewal states:

Renewal

There is no renewal offer on this loan right now. Your term ends Aug 3, 2027; we send renewal offers ahead of maturity and you will be able to answer here.

Your payout requests

PR-1040

Payout date Oct 15, 2026 · sent Sep 18, 2026

Statement sent (version 2)

Approved

The team prepares the statement; it is emailed to you and appears here and under Statements.

How the loan is paid

Method: Pre-authorized debit (PAD)
Bank: TD Canada Trust
Account: ••••4417
Account holder: James Nguyen
Debit day: 3rd of each month
Since: Aug 3, 2026

For your security we only ever show the last digits of your account.

Change requests

PR-1048

RBC Royal Bank ••7731 · from Oct 3, 2026 · sent Sep 30

Submitted

9 Birchcliff Rd, Scarborough ON

Detached house

Insurance on file

Security: 1st mortgage
Insurance: Insured
Insurer: [Insurer]
Policy expires: Jun 30, 2027
Property taxes: Paid by you · current

55 Pine Cres, Markham ON

Collateral

Expiring soon

Security: 2nd charge (collateral)
Insurance: Insurance expiring
Insurer: [Insurer]
Policy expires: Oct 20, 2026
Property taxes: Paid by you

Your insurance must name us as mortgagee. Send the renewed certificate every year before the policy expires.

Loan #1187

PDF

Payout_Statement_1187_v2.pdf

From us · Sep 22, 2026 · Payout statement · 104 KB

New

JPG

Void_Cheque_RBC.jpg

You sent · Sep 30, 2026 · Void cheque · 1.2 MB

Received

PDF

Pay_stub_Sep.pdf

You sent · Sep 12, 2026 · Income / employment · 210 KB

In review

JPG

Insurance_Pine_Cres.jpg

You sent · Sep 8, 2026 · Home insurance · Photo is blurry — please send a PDF or clearer photo

Please resend

PDF

Commitment_Letter_signed.pdf

From us · Jul 24, 2026 · Signed document · 240 KB

General

PDF

Photo_ID_James.pdf

You sent · Jul 10, 2026 · Identification · 380 KB

Accepted

Files you upload are private to you unless we decide to share them with the other borrowers on the loan. You can delete a file you sent until we start reviewing it.

Returned September payment

Hi James, your September 3 payment of $3,146.50 was returned by your bank. Please arrange payment of $3,146.50 plus the $250.00 NSF fee.

Daniel Brooks · Sep 5, 2026, 10:02 AM

Sorry, I changed banks. I've sent a request to update the account.

You · Sep 30, 2026, 9:55 AM

Thanks James. Following up — the outstanding amount is $3,396.50. You can e-transfer it to payments@[lender].ca with "1187" in the message.

Daniel Brooks · Sep 30, 2026, 10:30 AM

Request	Type	Loan / deal	Summary	Sent	Status
PR-1048	Payment account change	Loan #1187	New bank account (RBC ••7731) from the Oct 3 payment	Sep 30, 2026	Submitted
PR-1040	Payout statement	Loan #1187	Payout on Oct 15 · refinancing	Sep 18, 2026	Approved
PR-1038	Document upload	Loan #1187	Insurance · Insurance_Pine_Cres.jpg	Sep 8, 2026	Declined
PR-1031	General request	Loan #1187	Can my payment date move to the 15th?	Aug 20, 2026	Completed

You can cancel a request while it is still Submitted. We email you when a request is approved, declined (with a note explaining why) or completed.

1 document waiting for your signature.

Document	Sent	Sign by	Status
PAD agreement — new bank account (#1187) Please sign so we can debit your new RBC account.	Sep 30, 2026	Oct 7, 2026	To sign	Review & sign
Mortgage commitment — 9 Birchcliff Rd	Jul 20, 2026	Jul 27, 2026	Signed Jul 24, 2026
Independent legal advice waiver Co-borrower Rachel Nguyen still to sign.	Jul 20, 2026	Jul 27, 2026	Waiting for others

Forms to fill in

1 waiting on you. Your answers save as you go.

Payout — borrower information

3 of 8 answered · due Oct 8, 2026

Continue

Pre-funding checklist

Sent Jul 22, 2026

Sent

Document requests

Home insurance (55 Pine Cres), Void cheque

1 uploaded · open until Oct 10, 2026

Upload

Photo ID, Proof of income

2 uploaded · expired

Expired

Not sure what to send? Send us a message.

Your details

Name: James Nguyen
Email: j.nguyen@email.com
Phone: (416) 555-0142
Address: 9 Birchcliff Rd, Scarborough, ON, M1N 2T4

For your security, changes to your details are made by our team after you send a request.

Notifications

New messages
Email me when your team sends me a message. Request updates
Email me when a request is approved, declined or completed. Documents
Email me when a document is shared with me or one I sent is reviewed. Text reminders
Payment and document reminders by text message (when you have a mobile number on file).

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Welcome, James

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Loan #1187 In arrears

Your mortgage

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Renewal

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Renewal

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Loan #1187

General

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Returned September payment

Payout for refinance

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