I see a private therapist, who is a clinical psychologist and the manager of an NHS department. I think it's not uncommon for NHS higher level staff to work 20% or so in private practice.
It is expensive and I'm very fortunate to be able to afford it. I don't go away on holiday except for camping holidays, I've been saving a house deposit for years and years and may never manage, but I do not regret the money spent on therapy. It has transformed my quality of life and has been worth every penny as far as I am concerned. I prioritise therapy at the top of my budget along with rent, and I use the budget tracker YNAB to plan my monthly budget carefully and make sure I stay within my means.
I found my T by looking online. I was looking for someone highly qualified and experienced and able to deliver different types of therapy. I also researched a bit the type of therapy I thought would be most helpful, although I didn't know about schema therapy and it was very fortunate for me that my T is trained in this approach. BTW black dog, for some long term issues where CBT has not been helpful, schema therapy is sometimes recommended. Perhaps you could ask your pdoc what kind of therapy he think she would be helpful? You don't have to do exactly as he says, of course, which is the beauty of private therapy where you stay in control, but it may give you a useful starting point.