Do borrowers need a my-id.ca account to upload?

Guide

Mortgage broker client portal vs document chase

Borrower-facing document collection fails when clients get 40+ emails with conflicting instructions. Brokerage LOS portals (Finmo, BOSS) solve this for mandated workflows — but solo agents and renewals/private deals often still chase docs outside those systems. Hivi-X borrowers upload via secure guest link (no account needed) or the my-id.ca portal.

The 40-email problem

Agents describe borrowers who are lost in threads: "What document do I send?" stretches for weeks. Nothing shows file completeness before lender submission.

When your brokerage already has a portal

If Finmo or BOSS is mandated for every A-lender file, you may not need Hivi-X for standard pipeline deals. Hivi-X fits agents without a provided portal, or as a secondary channel for renewals, private, and alternative deals.

Authenticated portal today (honest v1)

Borrowers can upload via a secure guest link (no account needed — email OTP) or sign in to the my-id.ca portal. You share the checklist via email notification with both options.

Organize borrower intake without the email chase

Reusable Ontario checklists, secure guest link (no account needed) or my-id.ca borrower uploads, and exportable packages alongside your LOS.

Book a 15-minute demo

FAQ

No account is required. When you share a checklist, Hivi-X emails a secure link. Borrowers can upload via a secure guest link — they verify email with a one-time code and access a branded temporary cabinet — or sign in to the free my-id.ca portal.

General information only — not legal, compliance, mortgage brokering, or FINTRAC advice. Hivi-X is document-collection software, not a licensed mortgage brokerage, FSRA registrant, KYC verifier, or AML screening service. FSRA/FINTRAC obligations remain with your brokerage. Consult your principal broker, compliance officer, and qualified counsel. Last updated 2026-07-09.