would it be possible to use multiple sources? you take a loan just in your name, your parents can co-sign on one with you, and then also do CanHelp? Have you tried BMO and Scotia? I seriously wouldn't recommend TD.
sans parental support (in terms of putting the house up as security), RBC is royally unhelpful. ~$30,000 max after deduction of current student loans. Even after name dropping with the best of them.hmph. need new options.
I applied for ~$150,000 (what I would probably need!) over the phone attempting to convince them of NYU's job placement and that was rejected. The man who phoned me suggested that I would be much more likely to get the $55,000 which, minus my student debt, would come to ~$30,000. This is, as far as I am aware (having not actually gotten the loan), based on no cosigner. He also suggested that I could try and get a cosigner and reapply for the larger amount, but I am loathe to do this.I could do multiple loaners. I wonder if banks have anyway of checking this.