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There were many dodgy schemes in the UK years ago ("free solar panels! cheap electricity!") where people didn't realise there was a mortgage on the panels for 30 years+ which was now in the deeds of the house and made mortgage companies back out, suspect it's exactly this.

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If they were under some kind of borderline-scam scheme like that, yes that would make sense. But that’s very different than just “having solar panels” that the OP said!

Op just said "but it had solar panels" - which.....it does. And because it's such a common setup in the UK, every time you see a house with solar panels you can be almost certain it's done this way, not owned outright by the owner.

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