Most of the time, yes. There are exceptions to this rule, but it’s best practice to have your finance formally approved before we start looking.
Making offers without your finance formally in place can put you at risk, and weakens your position from the vendor’s perspective.
Some buyers keen to get started get the ball rolling before their finance is approved.
A quick call to help us understand what has been holding you back from making the purchase, and to break down whether we can truly help.