Earlier quoted context omitted.
OT: a friend of mine recently bought a house. They were surprised to learn at closing that the seller had financed their solar panels and that wasn’t apart of the home purchase. So they had to negotiate who was going to pay off the solar panel, and this all had to be completed before home sale.
I'd expect solicitors to find liabilities like that. How did it end?
If, hypothetically, the seller never disclosed the financing, then that would be an issue between the seller and the financer. At most, the buyer would need to allow the financer access to retrieve their property. The financer could then sue the seller for the buy-out cost and/or breach of contract.
As an aside, at least around here (USA), if you see a house with solar panels, it is a good assumption that they are financed.