The more debt you have, the less you are able to borrow.
Everyone has different circumstances when it comes to debt. For instance, you could have a student loan, car loan, along with some credit card debts. Not only could this impact your borrowing capacity, but you need to consider adding ongoing debt and your home loan repayments together. Collectively, this will affect your cash flow.
You can always consult with a debt management specialist to know your options.