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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:
StarlightLady · 05/03/2026 09:25

Report to council. And neatly arrange all your knickers on the clothes dryer. 😆

peonysinthesun · 05/03/2026 09:23

I would, but anonymously if possible

Laurmolonlabe · 05/03/2026 09:21

You could, you could also inform HMRC. I'm not sure i would , unless there is some nuisance caused by the AirBNB users.

Xmasisacoming · 05/03/2026 08:35

More relevant to advise the freeholder.

Isinglass20 · 05/03/2026 07:56

Touchtheearth

Some leaseholders own the lease on their flat or house and with a £1 paid up share of the freehold interest held in the Residents Management company (RMC) registered at Companies House so leaseholders also own the freehold and run the RMC. No outside Landlord or opaque outside interests. This is not Commonhold. The lease is the key ownership document registered at HMLR.

mateysmum · 05/03/2026 07:31

My son owns a flat in London not far from a well known concert venue and a flat in another building in the same development was being let as an AirBnB, so guests were coming back late at night and partying, disturbing other residents. It got as far as the freeholder threatening repossession but it did get shut down. The freeholder is the one with the power.

MauriceTheMussel · 05/03/2026 06:57

I’ve always read it as “full”

EvieBB · 05/03/2026 06:55

Needtosoundoffandbreathe · 04/03/2026 22:19

The mortgage company has a charge on the property. It's on the Land Registry title register. If you'd rtft you'd know.

Show quote history

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

Snakebite61 · 05/03/2026 06:28

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?

Not keen on grassing but some people deserve no respect. This is one of those people.

TouchtheEarth · 05/03/2026 02:28

likelysuspect · 03/03/2026 16:48

No, you own the property but not the land upon which its built

There are loads more leasehold houses being built now in the housing developments springing up everywhere. I would never buy one, unless it was a converted leasehold flat.

If you have a leasehold property you don't own either the land or the building(s). You own a lease, purchased from the freeholder (owner), that gives you the right to inhabit the building, usually for a very long term.

TouchtheEarth · 05/03/2026 02:21

If it is a leasehold property it's the management company you want to be informing. They are responsible for ensuring the leases are not breached.

SpringIsSpringing2026 · 05/03/2026 01:43

Fedupoftheshits · 03/03/2026 08:40

Why aren’t you allowed to dry laundry on your balcony?! Sorry if I sound naive but that’s nuts!

It's quite a common rule in flats because it looks dreadful.

mathanxiety · 05/03/2026 00:56

Isinglass20 · 04/03/2026 22:30

Kwamtiki
Read your lease and identify the restrictive covenants regarding sub letting and report to the Management Co / managing agent the breach of the lease and that it will void block building insurance.
Also report the antisocial behaviour of the other leaseholders.
If the Man Co/ MA fail to act you can apply to First Tier property tribunal that they are failing to enforce the provisions in your lease. Contact
LEASE for help and a template of the Notice to be served on the Man Co/MA

Sub letting and / or commercial activity would cover short term rentals.

mathanxiety · 05/03/2026 00:55

Are you sure it's an AirBnB and not people continuously coming and going for other purposes?

Chinsupmeloves · 04/03/2026 22:58

Just say this to her?

Sadly life now means no confrontation, everyone is too scared so have go online to report a problem.

Isinglass20 · 04/03/2026 22:30

Kwamtiki
Read your lease and identify the restrictive covenants regarding sub letting and report to the Management Co / managing agent the breach of the lease and that it will void block building insurance.
Also report the antisocial behaviour of the other leaseholders.
If the Man Co/ MA fail to act you can apply to First Tier property tribunal that they are failing to enforce the provisions in your lease. Contact
LEASE for help and a template of the Notice to be served on the Man Co/MA

Needtosoundoffandbreathe · 04/03/2026 22:19

Dencar · 04/03/2026 21:09

How would you even know who her mortgage company is?

Show quote history

The mortgage company has a charge on the property. It's on the Land Registry title register. If you'd rtft you'd know.

Dencar · 04/03/2026 21:09

TidyWriter · 02/03/2026 22:12

Leasehold flats, the info is available on land registry

How would you even know who her mortgage company is?

HildegardP · 04/03/2026 20:28

TheBroonOneAndTheWhiteOne · 02/03/2026 22:12

Good point.

Show quote history

Lease contracts for flats often preclude their use in holiday lettings. A woman I know got royally ripped off by her partner & suddenly had no income. She advertised her spare room on a holiday accom site & the local shit-stirrer reported her to the building management company, who came down on her like a tonne of bricks.

Newyearawaits · 04/03/2026 20:26

LOVETHISCHAT · 04/03/2026 18:43

You know it would be an unkind thing to do/ doesn't sit well with you otherwise you wouldn't have asked for the validation of this group first. The fact that she has been mean to you doesn't justify a similar means of retaliation. Then what will your community become? Just a group of people who rat on each other for the sole purpose of being unkind. Not a setting in which I'd like to live. Why not have a word with her instead?

Edited

This 100pc

Newyearawaits · 04/03/2026 20:23

Dollymylove · 02/03/2026 22:31

I would report the nasty busybody. After posting some dog excrement through her letterbox 😐 (im so juvenile) 😅

I hope you are joking

MummyWillow1 · 04/03/2026 19:49

Sounds like you did nothing wrong and she is doing something wrong. Send them an email now.

TheMorgenmuffel · 04/03/2026 19:44

I'd do it in a heartbeat. If someone is going to go round being a twat they should first make sure they have nothing that can be used against them.

Evan456 · 04/03/2026 19:30

If she’s renting out that’s probably why she’s reporting everyone

Maxme · 04/03/2026 19:16

I would just ignore the neighbour for now.

Next time they try something, mention you heard that Airbnb was a breach of lease and you hope that no one does this , because the proof could have their lease terminated or a massive fine.

Will shut them up without having to go through the official hassle.

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