To report neighbour to mortgage company

[TidyWriter]

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?

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.

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.

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.

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

Took a long time for a voice of reason

title search at LR

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

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?

Probably the listing on airBnB 🤷🏻‍♀️

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

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.

“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.

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

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

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.

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

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.

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

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.

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.

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

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

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.

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.

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