Mockup — portal sign-in screens. Pick a screen:

After sign-in each person sees only their sections: Borrower portal · Investor portal · Broker portal. A person who is both a borrower and an investor sees both in one menu.

[Lender Name]

Sign in

Enter your email and we'll send you a sign-in code.

[Welcome message from Settings → Portals, e.g. "Welcome to the [Lender Name] client portal. Questions? Call us Monday to Friday, 9–5."]

✓Confirmed you are human

Need help? (416) 555-0100 · support@[lender].ca

[Lender Name]

Enter your code

We sent a 6-digit code to j•••••n@email.com.

The code expires in 10 minutes.

A wrong code shows "That code did not work. 4 attempts left."

[Lender Name]

Sign in with password

Only if you set a password in your profile.

Password

While Email code after password is on (Settings → Portals, recommended), we still email a 6-digit code as a second step. After several wrong passwords, password sign-in is paused for 15 minutes; the email code still works.

From: [Lender Name] <no-reply@[lender].ca>
To: James Nguyen <j.nguyen@email.com>
Subject: Your [Lender Name] client portal is ready

Hi James,

[Lender Name] has set up secure online access for you. In the portal you can see your mortgage balance and payments, download statements, send us documents and ask for things like a payout statement.

This link works once and expires in 7 days (Oct 7, 2026). We never send passwords by email. After activating, sign in any time at [portal link] with your email and a code we send you.

Questions? (416) 555-0100 · support@[lender].ca

[Lender Name]

You're all set

Your portal access is active.

Next time, sign in with your email and we'll send you a code. You can also set a password in your profile.

Go to my portal Set a password

[Lender Name]

We couldn't activate your access

This link is not valid any more.

Invitation links work once and expire after 7 days. If you already activated, just sign in. Otherwise ask us to send a new invitation.

[Lender Name]

Sign in

Enter your email and we'll send you a sign-in code.

You have been signed out because your portal access is no longer active. Please contact [Lender Name] if you think this is a mistake.

Please use your sign-in link

Open the portal from the link in your invitation email, or ask your lender for the portal link.

The sign-in page never reveals whether an email has access ("If this email has portal access, we sent a 6-digit code to it"). Portal sign-ins can only reach the portal; they are refused on every staff screen.