NHS Talking Therapies or private therapy? An honest comparison

An honest comparison of NHS Talking Therapies and private therapy in London: waiting times, cost, choice of therapist and approach, and how to decide.

A therapist taking notes while a client talks on a sofa

In short

  • NHS Talking Therapies offers free, mostly CBT-based therapy in England for common problems like anxiety, depression and OCD, usually in time-limited steps.
  • The NHS Talking Therapies target is for 75% of people to start treatment within 6 weeks, and around 85% did so nationally in mid-2026, though waits vary by area.
  • Private therapy offers choice of therapist, specialist experience, flexible or longer-term work and quicker starts, but it isn't free.
  • Whether you choose NHS or private therapy, check that your therapist is registered with a professional body such as the BACP or UKCP.

As a private therapist, you might expect me to tell you to go private. I won’t. NHS Talking Therapies is a free and valuable service, and for many people it is exactly the right place to start. Here’s an honest look at both options.

How NHS Talking Therapies works

NHS Talking Therapies (formerly IAPT) offers free psychological therapy for common problems like anxiety, depression and OCD in England. You can usually self‑refer online without seeing your GP. Search “NHS Talking Therapies” on the NHS website to find the service for your area, including Hackney and Southwark.

Treatment is mostly CBT‑based, offered in steps: you may start with guided self‑help or a course or group, and move to one‑to‑one therapy if needed. Sessions are usually time‑limited.

What about waiting times?

The national target is for 75% of people to start treatment within 6 weeks of referral, and 95% within 18 weeks. NHS England’s latest monthly figures show this is being met nationally, with around 85% of people starting within 6 weeks in mid‑2026. Waits vary between areas, and some people experience a longer wait between their first assessment and ongoing one‑to‑one therapy.

How private therapy differs

Choice. You choose who you see, and can find someone with specific experience, such as addiction, OCD or perfectionism.

Flexibility. Sessions aren’t usually capped at a set number, and you can combine approaches (for example CBT alongside person‑centred work).

Speed and scheduling. You can often start within a week or two, at a regular time that suits you, including evenings.

Cost. Private therapy isn’t free. In London, sessions typically range from around £60 to £120 or more. My fee is £80 for 50 minutes.

How to decide

NHS Talking Therapies might suit you if cost is a barrier, your difficulties fit its focus, and you’re comfortable with a structured, time‑limited course.

Private therapy might suit you if you want to choose your therapist, need a particular specialism, would like longer‑term or more flexible work, or want to start soon.

Some people do both at different times. Whatever you choose, check that your therapist is registered with a professional body such as the BACP or UKCP.

If you’re unsure

You’re welcome to book a free 20‑minute intro call with me, even if you end up choosing the NHS. I’ll be honest about whether I think private therapy is right for you.


Sources

Common questions

Do I need a GP referral for NHS Talking Therapies?

Usually not. You can self-refer online by searching 'NHS Talking Therapies' on the NHS website to find the service for your area, including Hackney and Southwark.

How much does private therapy cost in London?

Private therapy sessions in London typically range from around £60 to £120 or more. Ben White's fee is £80 for 50 minutes.

Can I use both NHS and private therapy?

Yes, some people do both at different times. NHS Talking Therapies can suit you if cost is a barrier and you're comfortable with a structured, time-limited course, while private therapy can suit you if you want a particular specialism or to start soon.

Ben White
About the author

Ben White, MBACP (Accred)

Ben is a BACP accredited integrative counsellor with a Masters in Addiction Psychology and Counselling. He works with adults with anxiety, OCD, addiction and low self‑esteem in Hackney, Peckham, East Dulwich and online.

This article is general information, not a substitute for therapy or medical advice. If you are in crisis, call 999 or the Samaritans on 116 123.

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