If the figures quoted by the industry about the return on a solar panel array are correct and you could borrow the money for the installation and keep up the payments for 6 months, the FIT payments would be greater than your loan repayments, effectively giving you free solar panels. (Plus free electricity) I got my panels nearly 5 years ago and the financial return is fantastic (£15,500 for the system, £1,900 in FIT payments this last 12 months)