Residential leasehold properties are often referred to as 'owned' in the UK [1] and Ireland [2] and can be bought with mortgages. However, the structure is quite controversial [3].

[1] https://en.wikipedia.org/wiki/Leasehold_estate [2] https://mullinstreacy.ie/freehold-vs-leasehold/ [3] https://www.ft.com/content/b8068d5f-b4b9-4be6-a67e-1866fee68...