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?

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.

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

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.

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

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.

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.

Yeah, I would.

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

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.

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.

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

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.

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

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

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.

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.

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.

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

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

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

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

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.

Cross posted with @pestowithwalnuts !

AirNB already report annually to HMRC anyone letting on the site

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…!