How do we pay for micro-generation?

I just wrote a letter to The Guardian. It said:

With the government's new electricity feed-in schemes, surely mortgage lenders could now realistically finance the installation of a nation-wide micro-generation capacity? With a pay-back period of, say, a decade, could they not receive the income from generation until the installation is paid for (at a reasonable ROI), with ownership then reverting to the homeowner? Large financial institutions would be far better at pressing the government for better returns, the homeowner would pay nothing but gain a more valuable property, and the chances of our reaching our current renewables target would be much improved.

I hope they print it. Even more, I hope someone gives the idea some thought.