Bydd perchnogion tai sy'n gymwys o dan y cynllun yn cael cyngor rhad ac am ddim am forgeisi oddi wrth arbenigwyr sy'n cynghori ar ddyledion, a bydd y costau'n cael eu talu'n llawn gan Lywodraeth Cymru. Bydd yn fodd i sicrhau bod yr Ymgeisydd wedi cael cyngor annibynnol am yr opsiynau sydd ar gael iddo, i gadarnhau nad oes unrhyw atebion eraill posibl ac i gadarnhau, ar ôl edrych ar amgylchiadau'r Ymgeisydd at y pryd, y lefelau o ddyled y byddai'n rhesymol iddo fedru fforddio'i had-dalu.
Homeowners who are eligible will receive free mortgage advice from specialist debt advisors, with the costs fully covered by the Welsh Government. This will ensure the Applicant has received independent advice as to the options available, confirm that all other avenues had been exhausted and verify the levels of debt service the Applicant could reasonably afford based on a review of their current circumstances.