However, the deposit can also be used for another family member to help with the down payment and mortgage authorization. The ability to trade mortgaged securities may be limited if the investments are stocks or investment funds. The borrower retains ownership of the assets and earns and continues to earn interest or capital gains on those assets. However, the bank would be able to seize the assets if the borrower had fallen behind in the mortgage. The borrower continues to earn capital increase on the mortgaged assets and obtains a mortgage without down payments. A mortgaged asset is a valuable asset that is transferred to a lender to insure a liability or loan. A mortgaged asset is a guarantee held by a lender in return for the granting of credit. The borrower must continue to report and control all income he receives from mortgaged assets.