@Sophie I didn't know that! But good to know about Gaia! I've done my NHS cycle and have 2 potential FETs but I'm considering what happens if both fail. However being 39 limits a lot of options.
@Vit access fertility do multicycle packages as well as the refund packages. For the multicycle you still have to pay the lump sum up front, but you can have multiple collections and transfers that are included in that price. Those packages aren’t dependent on other factors, but they don’t save you as much money/have such a financial return if you’re unsuccessful.
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I haven't used it myself, but I heard good things of Access Fertility. They have IVF loans as well as refund plans. Good luck!