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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:
Sofado · 03/03/2026 13:14

You need to report to the freeholder before you do anything else. Or better, talk to her and tell her that she’s in breach of her lease.

TranscendentTiger · 03/03/2026 13:06

LeiaOrganaBananaHamock · 02/03/2026 22:10

How will you know who her mortgage is with?

It's on the land registry. Anyone can find this out.

EvieBB · 03/03/2026 12:52

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?

Nope! Yanbu. She should get a taste of her own medicine in this case!

Needtosoundoffandbreathe · 03/03/2026 11:07

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

That's not a dispute.

So the neighbour is potentially in breach of her mortgage conditions
Potentially in breach of her lease
Quite possibly doesn't have the correct insurance/valid insurance for operating an Airbnb

People in glass houses shouldn't throw stones. Make sure you screenshot the Airbnb listing OP and send details with any report you make.

AnAppleAWeek · 03/03/2026 11:04

Report! She threw the first stone and can suck up the consequences!

ChillingWithMySnowmies · 03/03/2026 10:53

AmandaBrotzman · 03/03/2026 03:08

The council can't stop someone from renting a room in their own house.

Show quote history

Of course they can. If you own a home i suggest you read your ownership documents for the particulars of what you can/can't do in your home as per the council ordinances.

We outright own our house, but on the deeds it quite specifically states that we're not allowed to run a business from our home, and that will include renting out bedrooms as an Air BnB.

rainbowstardrops · 03/03/2026 10:38

I wouldn’t yet. I’d put my washing out on my balcony and say to her that you know about her Air B and B and if she has an issue with your washing, maybe you’ll have an issue with her too.

WeepingAngelInTheTardis · 03/03/2026 10:37

Nah do it, those who live in glass houses shouldn’t throw stones.

mindutopia · 03/03/2026 10:28

Yeah, I would.

marylou25 · 03/03/2026 10:21

Mortgage company won't do a thing, once the mortgage is being paid they don't care. If there is a management company they might be more interested. I definitely wouldn't be bothered with the mortgage company, even if they were bothered what are the going to do? Call in the mortgage! Never happens when being paid.

MajorProcrastination · 03/03/2026 10:09

How do you know who her mortgage company is?
What does the mortgage have to do about the rule around clothes horses?
Surely that's the housing association or home owners association or what you've called a building council? That's who you should report to. You tell the people who made the rule. The mortgage company aren't going to give two hoots about this sort of thing.

nowayho · 03/03/2026 10:08

I was going to say no until I read it!! Fuck her. Report her.

AgentPidge · 03/03/2026 10:03

You want her to stop harassing you, so I'd ask her if she knows Airb&b is against the lease. Just mark her card. Then she'll have the knowledge that you know, and could report her, hanging over her.

ZebraPyjamas · 03/03/2026 09:57

Don’t do it, it’s incredibly petty and won’t magically turn her into less of a busybody so really achieves nothing.

RedToothBrush · 03/03/2026 09:57

I wish I'd reported my neighbour for lying to her mortgage compay for various reasons.

I knew which mortgage company it was so I could have. She'd probably in breech still now but I think she changed companies.

MissMoneyFairy · 03/03/2026 09:54

Are they council or private owned flats, do you have a management company or residents association where all this can be discussed.

Allisnotlost1 · 03/03/2026 09:53

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?

Why don’t you just report her to the freeholder? They are probably more accessible and are likely to want to enforce. TBH I don’t know how much a mortgage lender would get involved if the freeholder wasn’t on board anyway.

Namechangefordaughterevasion · 03/03/2026 09:47

Lmnop22 · 02/03/2026 22:11

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

I own a leasehold flat outright. There are many terms and covenants on the lease as there have been every other flats I've bought.

We have to pay our share of ground rent/sevices. We have to let the managing agents
know if we change our mortgage supplier. We have to keep our areas in good repair and decorate every 7 years. We have to allow the building managers access to check general maintenance, service the communal fire alarms and check fire exits aren't blocked. We can't have personal Sky dishes. We can't run a business from our property and we cannot let them out as short term holiday lets. If we let them out on longer leases (minimum 6 months) we have to provide the managing agents with contact details for the tenants. There are many more. It's normal.

Elsvieta · 03/03/2026 09:44

Not yet - just tell that's what you will do if she doesn't stop pestering you.

Arlingtonchase · 03/03/2026 09:31

I might just send her an anonymous letter asking how her mortgage lenders, Council etc. feel about her Airbnb business.

Greenwitchart · 03/03/2026 09:21

I would report her because of her behaviour. You should also alert the freeholder of the building and the council that the place is being used in this way.

Riapia · 03/03/2026 09:18

When you start escalating a dispute with a neighbour you can never be certain where things may end.
Could turn very ugly for all involved.

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!

AlexisP90 · 03/03/2026 08:37

Im usually very much a live and let live kind of person unless its impacting my life... but when people are that petty? Nah then its fair game.

Princejoffyjaffur · 03/03/2026 08:35

Will it make you feel better, or will you feel guilty afterwards?

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