To report neighbour to mortgage company

Do it by all means, but don't be surprised if different flats have different lease terms - I do the electrical maintenance on a modern block, a few flats are sub-let, cause of much moaning amongst the owners of the flats that have a strict covenant in the lease, and the few others do not - apparently nothing can be done, and according to the managing agent who was explaining the situation, its not uncommon.

I'd report her like a shot and take pleasure in doing so

Well if you report her to anyone it should be to the Freeholder then, or the "building council" as you call them.

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?

I would usually say no but in this case yes.

There's a high chance she is being so insane because she's running an air bnb and wants the outside to look as nice aka like none actually lives anywhere, as possible

https://planningaccess.york.gov.uk/online-applications/search.do?action=weeklyList

Easy to check. Here’s Yorks planning apps. I bet some lenders have a lovely bit of AI to check this now. Looking for a ‘match’ to an address they have lent on.

They may do the same with air BnB. I haven’t encountered that yet.

I work in this area. Some Lenders check to see if planning consents for HMOs, released prisoner accommodation, etc are being submitted on houses they have mortgages on. One lender has a very effective department. I know 100% that some lenders carry out these checks.

If they find an issue they will write to the landlord/owner, say we believe you are doing X against the ts and cs of your mortgage and ask them to call them on the phone. They will not lend any more money to you. Even on another property. They will not allow a rate switch at the end of the fixed rate period - you have to arrange a new mortgage or go onto the svr. Which will be tricky if you are an air BnB. I am unsure if they put a fraud mark against your name for the future - because it is fraud.

Not all lenders bother to check. But air BnB listings are in the public domain.

The block of flats will be insured via the management company. An air BnB may invalidate the block policy. It’s important to check this as where does it leave the block if she breaches and say there is a fire.

The insurer will likely care. As air BnB will hold a different risk than an owner occupier.

If the management company care about your wet socks drying near the balcony (which I think is fair enough as the place will look unsightly if everyone’s drying washing everywhere - widow twankys laundry springs to mind) I’m guessing they will also care about air BnB guests!

Looks like she's about to find herself in a FAFO situation!

Great point. If you aren't happy with the airbnb situation then you don't have to concede.

My initial comment assumed you were using the airbnb as leverage, rather than really caring about it. If true you can negotiate with it.

If not true and you do care about the airbnb, it seems reasonable to model how such a conversation should go between adults and resolve without third parties. If a third party comes along and doesn't stop her effectively, you have no where to go, she might stop purely on the basis that you are unhappy and she doesn't fancy the hassle of an escalation.

And she says 'well they already know'.

This.

Do it and also report to your block management company

If you report her now, you’ve lost all leverage. She has no reason not to revenge herself in any way possible, and it sounds as if she’s capable of doing so

if you merely make the point to her that she is on very shaky ground, and you could, IF provoked enough, report her to lease-holder/mortgage Co/ council …. She is your serf

A lender will never 'call in' a mortgage that is being paid, it just won't happen.

As for renewing it she or anyone would only have a difficulty if switching to another lender and taking out a new mortgage. A lot of people use the term 'renewing' for when a mortgage is finished and fixed rate and you have to pick another one or go variable. That;s not actually renewing a mortgage, it's just a continuation of the existing mortgage and nothing can or will change to the original granted mortgage whether a person picks a new rate or not, it will just default to variable rate.

House insurance, yes, they should be advised but again doesn't affect the mortgage.

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.

Crikey, I didn’t realise that leasehold properties could have so many restrictions imposed! Sounds onerous, I rather naively assumed that once you owned a leasehold you could still more or less do what you like with it…!

AirNB already report annually to HMRC anyone letting on the site

Cross posted with @pestowithwalnuts !

As for letting the council know; if she is purporting to live alone, she will be getting a discount on her council tax.
As PP's have already said, many councils (including mine) are cracking down on Air B&B nuisance lettings, and if it means she is not living there solo as well, it could be a double whammy.

Id do it..
You should also inform the local council that she has people staying.
It may alter her council tax amount....

Yup, I would - a consequence for her busy bodying, let he who is without sin and all that malarkey

Its already been shared, read the thread. No need to repeat it

Why are you laughing, why not just share your knowledge and expertise

Laughing by the way at the number of people who a) dont understand how a leasehold works and thinks that if you own a property or have a mortgage you wouldnt also have a lease and b) not realising what information is public information and easily obtainable.

Its not considered as running a business. You can rent a room to a lodger which is what Airbnb essentially is

OP can report it and go to the time and trouble of it but I doubt anything will come of it either with the mortgage company who wont care or the freeholder who may not consider it a breach.