You can always get an anppointment with a bank or mortgage broker to find out your options. Most times doesn't cost anything to get info.
S'right - PM me if you want details of a pair of great brokers
Banks are still lending, and some are offering great deals atm. They have indeed tightened up on no- or low-deposit loans though. St George is the only bank I know of who are still offering 100% loans, and the Lenders Mortgage Insurance is horrendous.
If you have 20% of the value of the house you want to buy in savings already, (i.e. you want to borrow 80%) then that is safer because you won't have to pay the insurance premium.
Give a mortgage broker a call or drop in and see your bank rep and they will have a program that works out how much you can afford to borrow based on your financial situation.
HTH.