And lets not forget the good old Interest Only Mortgage where you have life insurance, just in case you pop your clogs before the mortagage is paid off. You then pay into an equity shares scheme that will hopefully grow over the years to equate to the original Loan (Capital) Value of the house. So you pay an amount for the life insurance equity shares scheme and only the interest on the mortgage. The big problem being that if the share scheme falls short of the capital value and at the ripe old age of 65, you are left with a great big bill because you can't pay off all the capital amount. Imagine doing that with a 125% mortgage.