Phimosis questions

Hey,

I'm 30 and have always had trouble retracting my foreskin.

It can retract to about halfway down the 'helmet' (glans) but no further.

It's not painful to retract it this far during sex/masturbation, but afterwards it tends to feel sore and has a few little splits in it.

Also, I always have trouble keeping it clean of smegma.

I'm going to the GP this week, but I've also seen conflicting stretching techniques.

Questions:

Can you give me the link to the stretching techniques you suggest please?

Will the steroid cream sting when applied to the penis?

Do you have any advice as to how I can clean under the foreskin to get rid of smegma?

Thank you.