Many Emirati residents or non-UK resident buy-to-let investors are high-net-worth individuals. Despite this, lenders may still class you as a complex borrower, which can add another layer of difficulty to securing a mortgage. Typically, lenders will class you as a complex borrower if you have multiple income streams, multicurrency income, are very wealthy but have comparatively little income, or your assets are diverse and global. In these cases, a broker with an understanding of how lenders view your situation and background and what will give them comfort is critical to securing a mortgage quickly and getting the best rates available.