How to fund IVF?

[Elisabeth3468]

We haven't got savings to pay for IVF and i desperately want a second child. My first child was conceived through IVF ICSI. We have been trying for a second for nearly a year with one very early miscarriage last October. My partner has severe low sperm count due to a varicocele and we are waiting for a referral (nhs) for him to get it removed but well aware that could be at least a year away.
I want to move forward with ivf icsi again if we've not conceived by the end of summer. Has anyone used a loan for Ivf? We aren't really in a position to save because we both work and it all goes on bills! We don't really have any holidays.

Hi OP,
Access Fertility do multi cycle packages and you can pay via a payment plan. Their prices are different depending which clinic you use so it's worth contacting them to ask for the quote for your desired clinic and they will send you a price list. They are very, very helpful so hopefully they can give you some options.
I think there may be other IVF finance options but this is the only one I'm familiar with.
Be warned that they exclude the medications, which obviously can get expensive, however if you plan in advance then you take take your prescription to Asda pharmacy to try and get cheaper meds or shop around other pharmacies too.
xx

We've done a mixture of savings, 0% interest credit cards and remortgaging. Bear in mind you're going to need to pay back what you borrow plus may have another child to pay for on top. I would only go down the route of a credit card if you're confident you can pay it back in time for the 0% end date (or make sure you're savvy enough to keep moving the balance to different deals for a while. Ditto a loan, make you are sure you can make the instalments. It may be hard to get credit if you can't demonstrate any disposable income. Would remortgaging be an option? Or borrowing from family? Just these can be a bit less pressured in terms of repayment. I am sorry, it is so rubbish.

Pretty much like @SErunner here, moved credit card balances a few times and used a lot of our disposable income on IVF and related costs.
In your case I would weigh up the costs of private treatment for the varicocle to TTC naturally versus IVF. If it were my money I’d spend it on the IVF.

Thanks everyone!
Not really in a position to remortgage considering we've got a good rate and bought the house 3 years ago and have another 2 years fixed on a good rate.
Credit card could be an option but don't want to end up in a position where we can't pay it off because things are tight anyway.
I think maybe a payment plan might be a best bet or just waiting to see if things happen naturally after varicoele repair.
I am 27- nearly 28 and partner is 37. I do feel like maybe we should give it a couple more years trying naturally? I just wanted my babies close together but we can't have it all eh!! Thanks everyone who has responded

@Elisabeth3468 I had this email form access fertility, not sure if it helps

When you remortgage the additional borrowing just goes on to a separate rate, it won't affect your current deal. Not saying that's what you should do, just to clarify. Mortgage interest rates are probably better than most you will get on a loan or repayment package, even in the current climate. 0% credit card is the cheapest way to
borrow money so long as you can afford to pay it back. I do think if you really are so short of cash it might be worth considering waiting. If it is this hard to make the finances work for IVF, managing another mat leave and nursery bills etc could be an issue.

Not necessarily because I do not work full time and baby wouldn't need to go to nursery. Mat leave would also be ok as I'm in a job where it's 9 months paid.
Thanks for clarifying about the mortgage thing.