Thanks McCrazy!

I did find out that you had to pay up front but the 60:40 option might make it more viable. Still unsure of their exact upfront costs, but I suppose that would vary person to person.

With the yielding of eggs, our infertility is due to Male factors - I don't know much about this side, so assuming because there's nothing wrong with my reproductive system that provided they can get eggs - we just need to worry about DH's sperm quality????

DH & I are unable to take out a loan - unless there is a provider who loans for medical reason with bad credit? We can afford the loan repayments no worries, we just aren't able to get approved!!! (A big mistake a long time ago is still haunting us!!!)

I have an appointment on 22/2 - so will see how it goes.I have looked into other clinics & although there are some with less upfront fees, the out of pockets expenses & bulk billing of actual appointments makes your out of pocket far less.