In a word, yes. The deposit you put down can have a significant impact on affordability, because the deposit amount is taken off the total loan amount. So the more you put down as a deposit, the less loan balance there is to pay off. That’s why, broadly speaking, a bigger deposit typically means lower monthly repayments. If your monthly repayments are lower, there’s a better chance that you’ll have enough disposable income to cover them comfortably.