I must disagree. Do not use mortar. It is not necessary unless you are planning on having white-water rapids. Mortar will over time disintegrate and it would fill in the normally occurring voids that are inhabited by myriad organisms that add to the total diversity of the pond. If you are concerned about the water flow moving the rock, use rock size appropriate to the water flow, just as Nature does. You will not find any small rock or gravel in a fast moving mountain stream. Depending on your final flow, use no smaller than Egg rock and smaller cobbles with varying sizes of l;arger stones for accent and interest. With any of these rocks/stone, seat them by lightly tamping with a rubber mallet. You will not damage the liner. Over time sediment will fill in some of the voids.