How do I move up or down within the text I have written on my iPad?

When I write an answer on fluther and want to go back to correct something, I know i can just tap on the screen by the word I need to fix, but if it is text that is now longer in the window where we write, I can’t figure out how to get up to previous text. On a regular computer I would use the arrows. Also, sometimes I need arrows to go left or right to correct a word when it is difficult to get the cursor right where I want it, especially since it seems apple still is against a delete button, only providing a backspace key from what I can tell.

Lastly, am I right that there is no percent symbol on the iPad? I can’t find it.

Thanks in advance!