No question is a dumb question, right? Well, right now I'm doing my research to startup a property company with my husband, and I guess I've hit a point of confusion. I'm from the US, and I think our mortgage process is slightly different than in the UK. If I'm working with someone to find a property, and they want to make an offer, do we need to have proof of funds first (ie. do they need to have the approved mortgage already), or do they apply for the mortgage once an offer has been approved? I suppose I'd just like clarification on how that order is meant to go.