First time buyer advice

Good afternoon

I'm a first time buyer looking to get on the property ladder, just after some friendly advice.

I'm 21 years of age, currently in full time employment. My salary is £13,500 with bonuses of £6-7000 per annum. I have a £21,000 deposit available. I have a car loan with 0% finance of £206 per month. I have checked my credit score online which is over 900, i am also on the electoral roll. It will be a sole mortgage. I already have an agreement in principle with one bank.

There is a house on the market for £115,000 that I'm very interested in. The estate agent involved is offering free legal costs if I go with their conveyancing, which I think is an attractive offer.

So my questions are

- Am I aiming too high to be able to get the maximum of £94,000 loan?
- Is the car loan a risk?
- Is the estate agents offer of free conveyancing handy or is it just a marketing tool?
- Could my wages be too low?

I apologise if they seem like silly questions but I am at the very bottom of the whole mortgage topic. Any advice would be greatly appreciated. Thankyou