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AIBU?

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Original poster

To report neighbour to mortgage company

165 replies

TidyWriter · 02/03/2026 22:08

We have an unpleasant busybody neighbour who complains about absolutely everything. The most recent example is her knocking on our door to tell us off for having a laundry dryer/horse visible from the outside. It's against the rules to leave them on the balcony, so we left ours in the doorway with the door open to the balcony, but inside.

She reported us to the building council and asked our other neighbour to have a word. Insane.

Anyway, we have proof that she is using her dining room to rent out for airbnb guests. This is strictly against our lease, and a serious breach of a lease is against almost all mortgage rules.

AIBU to report her to the mortgage company?

OP posts:
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Grandmotherly · 13/04/2026 20:42

Its on the Land Register

Grandmotherly · 13/04/2026 20:42

Its given on the Land Register, which is a public document, online

YellowMellow99 · 12/03/2026 10:17

Lmnop22 · 02/03/2026 22:11

How is against her lease if she owns the place and has a mortgage?

If it’s block of flats (which it sounds it is) it doesn’t matter if you own the flat, as its leasehold and the freeholder has ultimate say in what you can or cannot do.
OP, you’ll can report her to the freeholder, and to the mortgage company as well potentially. The freeholder would be my first step. She doesn’t sound like a nice person, and has the audacity to do this to you when she’s doing stuff that’s much worse than…

Lackinginspecialskills · 09/03/2026 13:54

Kwamitiki · 02/03/2026 23:07

If it's leasehold, just report it to the freeholder/managing agent. It is their job to deal with leasehold violations.

Edited
Show quote history

this - if i'ts leasehold then the freeholder or association will take a dim view of this if (and it will be) it's against the rules.

Saltedtoffee · 08/03/2026 23:43

Life's too short I wouldn't even bother.

ilbehonest · 08/03/2026 12:01

I think id knock on her door and tell her off as she did to you and then make a complaint!

TheignT · 08/03/2026 11:55

Elektra1 · 02/03/2026 22:39

You can find out who the mortgage provider is on any property if you’re willing to pay about £10 to Land Registry for official copies of the register for that title.

However, if the OP also owns her property, I wouldn’t be so petty as to “report to the mortgage lender”, since if you ever want to sell your own home, you have to disclose disputes with neighbours so this could be an own goal. If it even resulted in any “goal”.

Show quote history

Isn't there already a dispute with neighbour because she's reported the OP or does it only count if you've complained,?

Labelledelune · 08/03/2026 11:51

I’m no grass but in this instance, fill your boots.

Friendlygingercat · 08/03/2026 03:12

If you report them anonymously to the relevent bodies - freeholder, HMRC, council if relevent - then no one is going to know its a "neighbour dispute" because there will be no dispute to record. No paper trail, no dispute. Two individuals having a bit of a disegreement over the garden fence does not constitute a dispute.

usedtobeaylis · 07/03/2026 22:38

Why would you want to become the thing you say you hate

Conundrummum123 · 07/03/2026 22:14

TidyWriter · 02/03/2026 22:12

Leasehold flats, the info is available on land registry

I work in mortgages and let me tell you, they won’t care. Yeah it’s a breach of the terms of the Loan but if you think it through what does the bank actually care about, default. If they are up to date with payments 0 fs are given

JuRoo · 07/03/2026 20:24

Report the breach of your lease, yes, but getting involved in her mortgage would be a step too far.

ByHeartyHiker · 07/03/2026 18:20

Lmnop22 · 02/03/2026 22:11

How is against her lease if she owns the place and has a mortgage?

When you own a flat it's a leasehold not a freehold interest so you still have to follow the stipulations of the lease

ByHeartyHiker · 07/03/2026 18:19

You should report her to the freeholder/management company for sure, not sure I'd be messing with someone's mortgage and I also don't think the lender's security would be adversely affected unless the freeholder/man co had taken action re breach of covenant anyway so man co/freeholder would be my first port of call

ByHeartyHiker · 07/03/2026 18:17

LeiaOrganaBananaHamock · 02/03/2026 22:10

How will you know who her mortgage is with?

This information is publically available from HM Land Registry

WilfredsPies · 07/03/2026 13:53

tirednessbecomesme · 03/03/2026 06:21

You should have said my washing may be visible from the doorway but your air bnb guests are visible from yours - do you wish to take it further

I would definitely do this (although see if you can find any ads she’s placed first, so you’ve got evidence if she denies it). If you report her, then she’s got no reason to leave you alone and every reason to report you for anything she can think of.

Blueharmonica · 07/03/2026 13:04

My attitude is live and let be, but I’m also very petty if someone doesn’t live and let me be…..I’d report.

JackJarvisEsq · 07/03/2026 12:58

LeiaOrganaBananaHamock · 02/03/2026 22:10

How will you know who her mortgage is with?

Land Registry search will show any charge holders but honestly I doubt they’ll give a hoot

Spirallingdownwards · 07/03/2026 12:57

EvieBB · 05/03/2026 06:55

No need to add the 'f' to rtft....that's just unnecessarily aggressive

Show quote history

Read the full thread = rtft

Spirallingdownwards · 07/03/2026 12:56

Lmnop22 · 02/03/2026 22:11

How is against her lease if she owns the place and has a mortgage?

Because most flats are leasehold and you buy them and get a mortgage to do so. The flats are governed by a head lease that applies to the block as a whole.

To those asking how do you know who the mortgage lender is to find out who she has a mortgage with you simply apply for office copy entries of the property and they appear in the Charges Register section.

Unexpectedlysinglemum · 07/03/2026 12:51

Do it, report to the mortgage company if you know it and the building managers

Exasperated1971 · 07/03/2026 12:49

Lmnop22 · 02/03/2026 22:11

How is against her lease if she owns the place and has a mortgage?

Sounds like it’s a flat within a complex where you don’t have freehold but leasehold for something like 99 years etc. so basically she’s bought the flat yet has to rent out the ground it’s built on.

user1492757084 · 05/03/2026 12:33

Save up that piece of information for the next time she comes over to say that she can see your socks on the clothes horse through yoru open door.

Then I would respond...
I don't think you can see my laundry - just like I can't see your Air b&b guests. (But do take photos of the operational Air b&b so you can prove that you know of the guests.)

August1980 · 05/03/2026 12:23

i wouldn’t! What do you think would happen? Will you be shot of her or would it make your living situation worse?

EvieBB · 05/03/2026 09:59

MauriceTheMussel · 05/03/2026 06:57

I’ve always read it as “full”

Ahhh.....lol ....I hope it's that! X