No mortgage broker can guarantee that their clients with bad credit will be approved for a mortgage. There are many factors involved in finding a lender to service a borrower with bad credit. However, Mortgage Alliance, like most Canadian agencies, can offer credit consolidation and other tools to help you diminish your debt and get your finances back on track. In most cases, borrowers with bad credit are told to first rebuild their credit rating before a lender will work with them. This is not to say that if you have bad credit you cannot get a mortgage, it may take longer but it is not unheard of.