To report neighbour to mortgage company

When I was renewing my mortgage, the advisor strongly advised me that unless you have a BTL mortgage, if a mortgage company finds out you have been AirBnBing your house and they were unaware, then they can in theory call the whole amount in. You could also be refused a new mortgage for the property based on this, when you come to renew. There are also insurance implications of course.

Obviously worst case scenario, but still.

won't it be the owner of the property who makes the rules?

The holder of the charge is public knowledge via land registry title search.

“Wow, I'm surprised by everyone responses. I would do it very differently. I'd suggest asking her for some time to talk about her complaint. Ask her questions about what she is objecting to, if she can be calm. Then I'd say you also feel uncomfortable with get property being used for airbnb because you don't knew who is in the building.
Then I'd suggest to her that it would be nice to both live their peacefully and can at drop both of these problems. You will tolerate the airbnb but she needs to allow you to go about your life too
Escalate if necessary. But be open to talking.
Surely you don't want a rage war with neighbour”

Completely agree with @Ooihuko - this with bells on though you don’t necessarily have to go as far as saying you will tolerate the AirBnB. Once you go down the antagonistic route (ie mirroring her poor behaviour), it’s very hard to put the genie back in the bottle. If you ever want to sell, you would have to declare this dispute and it could lose you a sale. Talking to this neighbour could take the heat out of this. If she makes silly fusses, people will surely stop paying attention in any case.

Report to the HMRC tax people. Get all your proof and send it over in an email. There are plenty of email companies you can create a free account with to keep it anonymous.

Could be fake, although it would be easy to check out; make a booking and turn up.

Probably the listing on airBnB 🤷🏻‍♀️

Blimey you don't exactly sound like the neighbour from heaven yourself. You basically breached the rule about not having clothes drying on the balcony (ok technically you followed it, but not in spirit) and then when a neighbour raised it with you, you have decided to go nuclear. How about trying to respect the rules and your neighbours?

I wouldn’t report them to anyone but I would answer each knock at the door with ‘Good morning air b and b’.

title search at LR

Took a long time for a voice of reason

data services like this have a quick turnaround. It is not the same as caseload backlog.

I'd also be trying to work out how to end the ban on drying laundry outside. It's free and saves energy. Landlords and housing associations who try to enforce it should be read the riot act.

Does it bother you that she rents out her dining room as an airbnb? Were you penalised over the airer?

Once you have reported her you have a potentially vengeful neighbour and no leverage. Be smart. Find a way to let her know you know about the Airbnb and you will report her if she doesn't mind her own business.

You need to report her to the property management company. It’s probably it against her mortgage rules. I can rent out a room in my house without telling the mortgage company. I’m not supposed to rent out the entire property unless I have a BTL mortgage, so there’s a difference.

Anyway, we have proof that she is using her dining room to rent out for airbnb guests.

What proof is it?

Do this. I doubt mortgage company would care as they just want their payment.

This.

This approach may stop her hassling you. Reporting her will escalate the confrontation between you.

I'd report her to the building people that she reported you too. Cheeky cow.

What did they say to you about your washing ? You weren't doing anything wrong. It was inside your house !

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'd say that it's very useful knowledge to have and let her know that you know. I imagine she'll leave you to hang out your washing where you like. Once you tell the mortgage company it loses its power.

Do as you would be done by. And in this instance, I mean you - I would behave as I expect others to behave to me. Petty tit for far is not how I love my life.

She’s a nasty pain but that doesn’t mean you have to be. Rise above with a smug smile that you’re not her.

An eye for an eye makes the whole world blind. I’d maybe allude to the fact you know she’s renting out her dining room when you next see her. That should be enough to stop her.

You could probably report her to your local planning enforcement team too. It would probably be an unauthorised change of use. You’d have to send them screen shots as evidence it was being used as air bnb though.

There are big delays with LR records being updated. Sometimes a couple of years or more, so if they bought less than two years ago it may well be that the old owner is still listed on the Register or if the flat was new when they bought it, then the developers name will still show.