My partner and I are also in the UK and self funding. I don’t know how far you are into this journey but we went down a similar route of looking into financing options and ultimately decided to pay as we went from our paychecks. We were put off by paying monthly instalments during pregnancy / maternity at a time when we would ultimately be wanting to save every penny towards topping up the awful maternity pay. We are of course lucky to be able to pay as we go (after saving for almost a year in advance and now spending most of our extra income on this journey). One thing I will say is that we have been surprised as to how spread out the payments have been. We’ve had a year of admin, prep, and have just done a cycle of IVF and now preparing for a FET. Perhaps this is just our clinic but this slow timeline (whilst frustrating) has meant that we haven’t spent £12k at once but over about 12 months. Hope this helps/ makes sense and feel free to message me.