You'd find you don't need an agent as the online process is so simple, but it's each to their own. My lady has done it six times herself with zero problems
It's totally true because it's what happened. They weren't interested in my income at all, although they wanted to see proof of relationship. You do it once and others are easy to follow. She's now had 2 x UK visas, 1 x Schengen and 3 x Australia. It's all very easy now
Yes. My lady has been twice to UK and she always has to provide (1) position and length of service from her employer (2) payslips (3) bank account statements (4) land title deeds.