Yes, they assess your income, expenses, and financial position. This helps estimate how much you can realistically borrow.

In most cases, you don’t pay for the service. Lenders usually pay a commission after your loan settles. Some complex loans may involve a small fee depending on the situation.

Yes, support is available for first-time buyers. You get guidance on deposits, grants, and suitable loan options.

Some lenders do offer loan options for self-employed individuals with a shorter income history. These options may require additional documentation and could come with higher interest rates.

General research or comparisons have no effect. However, making multiple official applications close together can cause a slight drop. Taking a strategic approach helps safeguard your credit profile.

Yes, you can merge multiple debts into your home loan to make repayments more manageable. However, it’s important to review the interest rates and loan term to ensure it remains cost-effective over time.