Does having substantial deposit get you bigger mortgage?

Before I start ringing banks and brokers, does anyone know if having a substantial deposit (from sale of present house) can get you a bigger mortgage? I would have thought that you would be less of a risk for banks, as you have invested (33%) equity in the house. But do they still go on earnings only?

When I got my mortgage the bank went on ability to repay, not multiple of income. They set the maximum they would give me by taking 35% of my net earnings as a monthly repayment and working back from there. This meant I was able to get a higher mortgage than 4 times salary.

I suppose they still went on earnings only though.

AS the previous poster said it is the ability to repay your mortgage that is the key, not the amount of equity you put in. For example if you are buying a house for €600k and have €200k deposit (33%), you will have to prove that you have the ability to repay a mortgage of €400k (usually at stressed rates), even though the LTV will be at 67% and the bank will be "well secured".

The last thing a Bank wants to do is get involved in a "Forced Sale" situation.