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How Much Down Payment For Investment Property Low Down payment investment property Loans Income Property Lending Loans For Property Investment Family Mortgage Rates That’s because mortgage rates are generally tiered, and typically lower mortgage rates are available for those with a down payment of 20% or more. If possible, consider increasing your down payment to see if it’ll get you a lower rate for your home loan. improve Your Credit Score. Your credit score is one of the biggest factors that affects the. · All the majors banks in South Africa now offer home loans for low income earners.These bonds are available to families who are unable to qualify for RDP houses, housing subsidies, or who were previously unable to meet the minimum.