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?

This information is publically available from HM Land Registry

You should report her to the freeholder/management company for sure, not sure I'd be messing with someone's mortgage and I also don't think the lender's security would be adversely affected unless the freeholder/man co had taken action re breach of covenant anyway so man co/freeholder would be my first port of call

When you own a flat it's a leasehold not a freehold interest so you still have to follow the stipulations of the lease

Report the breach of your lease, yes, but getting involved in her mortgage would be a step too far.

I work in mortgages and let me tell you, they won’t care. Yeah it’s a breach of the terms of the Loan but if you think it through what does the bank actually care about, default. If they are up to date with payments 0 fs are given

Why would you want to become the thing you say you hate

If you report them anonymously to the relevent bodies - freeholder, HMRC, council if relevent - then no one is going to know its a "neighbour dispute" because there will be no dispute to record. No paper trail, no dispute. Two individuals having a bit of a disegreement over the garden fence does not constitute a dispute.

I’m no grass but in this instance, fill your boots.

Isn't there already a dispute with neighbour because she's reported the OP or does it only count if you've complained,?

I think id knock on her door and tell her off as she did to you and then make a complaint!

Life's too short I wouldn't even bother.

this - if i'ts leasehold then the freeholder or association will take a dim view of this if (and it will be) it's against the rules.

If it’s block of flats (which it sounds it is) it doesn’t matter if you own the flat, as its leasehold and the freeholder has ultimate say in what you can or cannot do.
OP, you’ll can report her to the freeholder, and to the mortgage company as well potentially. The freeholder would be my first step. She doesn’t sound like a nice person, and has the audacity to do this to you when she’s doing stuff that’s much worse than…

Its given on the Land Register, which is a public document, online

Its on the Land Register