Buying a horse to share with my instructor?

MrsCentaur

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I’m a self-confessed riding school numpty. I’ve only been riding as an adult for a year (about 13 years of riding as a child), weekly until lockdown and 3x/week now that I am working from home. When I started riding again as an adult, owning a horse of my own was the end goal and in December I expect to receive a generous work bonus that should cover that cost outright.

I’ve been thinking for a while about how to manage my work-life-horse balance. I have a high-pressured job with a long commute, a partner who likes to see me and five small children. My previous idea had been to put said horse on full livery and enlist the help of a keen teenager or two to ride in the week; no chores unless they want them, no cost, just riding. It felt like a nice way to come full circle as an independent person who didn’t need to rely on anyone else’s generosity in order to have access to horses. But last week, my instructor remarked that she would love to have her own but couldn’t afford to do so, and I remarked wistfully that I had the money but not the TIME, and when I suggested that I buy something for us to share she didn’t seem to think it was a bad idea and actually, it really appeals to me. I think that we could maybe make that work.

In my mind, it would work something like this: we would find a talented youngster that she could form how she likes, and compete on at whatever level she wants to do that, and I would continue to have lessons under her supervision but on my own horse and enjoy some lovely hacks, and take lots of photos to gaze at longingly because after lockdown ends, realistically I will be lucky to get to the stables twice/week. I’ll cover all of the costs, except perhaps competition fees if she wants to compete. Obviously she is a much better rider and horsewoman generally than I am, so there will be a great deal of trust on my part - she can do what she wants with said horse, when she wants to do it, and I will be grateful for the opportunity to have a horse of my own and some of the freedom that comes with, without having to sacrifice too much time with my family or too much of my attention to my career. I think it might be fun?! And what an opportunity to learn from somebody whom I like and respect, and for my/our horse to benefit from some vastly superior riding compared to my own!

Anyone done similar, as either party? Is it madness? I would expect to have a high four/low five-figure budget and we are in the South East; is that sort of money enough to find a horse with enough talent to interest a professional but enough kindness for a middle-aged woman who just wants to practice in the school and play My Little Ponies? Thoughts welcome!
 

Bellaboo18

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Sounds like a good idea but be careful not to over-horse yourself. If you want to do any riding I wouldn't suggest buying a flashy youngster unless you'd be happy to 'just' be the owner and not ride. You need a safe, first time horse which is probably not what your instructor will want.
 
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paddi22

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just from my own experience I was in a similar situation and got a sharer for my competition horse. the lady was lovely and a competant enough rider but we ended the share (amicably) after a while for a few reasons
- the horse got a bit confused going between two riders, he just didn't like it
- she would teach him small bad habits (mainly transitions) and then I'd spend the next schooling session undoing those
- during competition season he had to go on a training schedule and I felt like a bit of a asshole telling her she couldn't ride some days/only hack etc


also to be aware that some youngsters can be green and have tricky moments out hacking, so you mightn't get the happy hacker you want. all youngsters (especially competition youngsters) usually go through a difficult phase where they test out riders and can rear, nap, buck. a lot won't do it with a pro rider, but will get nearly worse with a more novice rider on them as they don't feel the security and confidence a pro rider can give them. the horse may go perfect for the instructor but be a different horse when you sit on it. there's no guarantee, it totally depends on the horse.

I'd just be very conscious that you's both have an honest conversation about how it will play out and what conflicting issues could arise.
 

Christmascinnamoncookie

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Nope. What if what you and she want differs vastly? What if she wants some high falluting horse you can’t ride the half of? What if she is forever off at competitions because she finally has the horse she wants? I don’t see the benefit for you. You could get a lovely sharer who does chores on their day and pays. Sounds like your instructor gets the lion”s share of time with the horse, you’ll barely see it (5 children, all respect to you!) but you’ll be paying for it.

You want very different things.
 

misst

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I hate to pour cold water on things but I have seen this scenario a few years ago.
A lovely man who was a competent but hobby rider bought a beautiful horse to share with his instructor. He was a bit overhorsed but had lots of money but no time. She had the perfect horse free (or cheaply) with lots of time to spend with it.
From the outside it was clear what was happening but it took a while for the penny to drop for him.
The instructor basically took over. She schooled the horse to "her way" of going, it was kept very fit so she could do dressage at medium level. He ended up being unable to hack the horse as it was too fit/strong. She took over all feeding and care of the horse in the week and if the owner wanted to change anything she would block it if she could. I don't think she intended to do this but she invested a lot of time and effort into "their" horse and became in effect the main owner.
Everyone at the yard could see this happening.
It ended when the horse went lame and she insisted on supervising all treatment etc and fought against PTS when it was time. It all got a bit messy for no good reason.
Neither person was a numpty or nasty - the instructor adored the horse and so did the owner but he never really "owned" it. He just paid a lot of money for someone else to ride it.
 

mini_b

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I hate to pour cold water on things but I have seen this scenario a few years ago.
A lovely man who was a competent but hobby rider bought a beautiful horse to share with his instructor. He was a bit overhorsed but had lots of money but no time. She had the perfect horse free (or cheaply) with lots of time to spend with it.
From the outside it was clear what was happening but it took a while for the penny to drop for him.
The instructor basically took over. She schooled the horse to "her way" of going, it was kept very fit so she could do dressage at medium level. He ended up being unable to hack the horse as it was too fit/strong. She took over all feeding and care of the horse in the week and if the owner wanted to change anything she would block it if she could. I don't think she intended to do this but she invested a lot of time and effort into "their" horse and became in effect the main owner.
Everyone at the yard could see this happening.
It ended when the horse went lame and she insisted on supervising all treatment etc and fought against PTS when it was time. It all got a bit messy for no good reason.
Neither person was a numpty or nasty - the instructor adored the horse and so did the owner but he never really "owned" it. He just paid a lot of money for someone else to ride it.

That’s so sad but I can totally see how that situation could develop :(
 

paddi22

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it really depends on how competitive your instructor is as well. if she's happy to potter around a few low level comps on a nice easy going draught type it might work.

but a competitive rider with a good budget will naturally try and get something talented, and talented usually means sensitive and intelligent. and a young sensitive horse can get totally confused when one rider teaches them say, a canter transition, and they understand that. but then another more novice rider gets up and uses totally different aids, is unbalanced and maybe pulling their mouth a bit. a lot of youngsters will get confused and upset and some can react quite sharply just out of confusion.

it's also hard to watch someone ride your horse the wrong way and watch a horse get confused and do something wrong. so there is a risk that your relaxing hobby lessons could turn into something a bit more tense if the instructor has to watch the horse be ridden a different way.
 

emilylou

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If you are going to do it you need to buy a horse for your ability not her ability and therefore not for her to compete at a high level. No reason that she can't become the sharer and enjoy the horse but it needs to be your horse first and hers second. I'd go and view without her as she will be looking for a horse for her (even if she is trying to be balanced) and not for you.
I'd also be very clear on terms and conditions from the outset. For example if you want to be able to ride every Saturday and Sunday she wont be able to compete on those days.
 

Muddywellies

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In theory it sounds like it could work. But I would steer clear of the 'talented youngster'. They are a handful. You would need a quiet schoolmaster to get the enjoyment you are looking for. Be careful that you don't end up funding your instructor's dream, as others have said above. You could end up paying for a horse that someone else is out competing on every weekend abd has a better relationship with your horse (abd more enjoyment) than you. Also, would your instructor expect you to pay if it needs veterinary treatment. Say it goes lame one day during training, would she hand the broken horse back to you to be fixed and for you to foot the bill. So many problems to consider. But I guess if you both meet in the middle and it is a true share, in every way, then with the right agreements in place, it could work.
 

ihatework

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Whilst I appreciate how this might sound very attractive on paper I think the reality will be that your needs from a horse will be sufficiently different that it won’t work.

Id imagine the type of horse an instructor would ride and compete/produce for free (young low 5 figure, potential comp horse), would be far too much animal for a novice first time owner to hope to enjoy. I predict you get scared and face either selling the horse and potentially not enamouring yourself to the instructor or you end up not riding and funding them a horse.

I suggest you buy a horse suitable for you first and foremost. If your instructor is then happy to share it win-win (but be prepared for the instructor to not want that).
 

misst

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Also just to point out that if it really is competing, as Paddi says there will be a schedule for training. It probably won't be tailored to fit round your hours - but around the instructor and the competition schedules.
If I was rich now I would be an "owner" happily and have a professional ride for me. I would not let them dictate everything though.
It worries me that whilst it is good to look up to and aspire to someone "better" than you they do not know everything and a lot of the fun things will not be happening for you. We learn from our mistakes (I should know!) and while guidance is good and useful one person dictating, even kindly, will not teach you as much as you gently feeling your way and listening to advice. If you want a safe fun horse then get one put it on livery and find a sharer who you can get along with - but start out with the agreement that you are in charge :). That's a good budget by the way :) for a nice safe horse you should find something really nice - enjoy x
 

ycbm

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I have seen this go badly wrong, with the instructor recommending buying a talented big moving warmblood that the owners were never going to be able to manage.

Your needs are far too different, it's likely you will end up unable to ride your own horse.

.
 

Ample Prosecco

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Just another word of warning. 2 different pros have ridden my horse. The first time I lent her to a pro friend to take arena eventing when her own horse was lame. Only at 90cm - the same level I was jumping - but she razzed her up like crazy, riding to win not to school her round with me in mind. She was a nightmare for a week or 2 after that. Then when I broke my ankle earlier this year I sent my horse to a pro to ride. He was meant to be riding her to set her up for me but as she is very talernted he ended up riding how HE thought she should go. Took her over huge XC fences, jumped her at 120cm. Later he said he wanted to keep the ride on her but I was not interesred in that. But when I got her back she was virtually unrideable for me. Far too switched on and onward bound. So I agree with those who have said that a horse that would interest a pro with ambitions to compete is unlikely to be one you can ride.

BUT if the instructor just wants a horse of her own to have fun on but can't affotd one, she may go for one that is suitable for you. That is the key really. If you are allowed to choose the horse then she may or may not be interested. But do not buy yourself (her!!) a talented youngster!
 

WandaMare

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I would try and stay as independent as you can, these types of relationships can be great to start off with but often end up going sour. For example if you start off together and then she gets involved in another project somewhere, or god forbid gets injured and can't ride for months, would you be able to cope with a youngster on your own? You might end up paying for another professional to step in and it would be very expensive and could need much more time than you have to offer.

Also as you get more of a bond with the horse, you might not feel as comfortable with her going off competing with it and risk it becoming injured. You might be the one left paying the vets bills and doing all the rehab.

Arrangements like this with horses often get too complicated and can do a lot of damage to good friendships. I haven't shared a horse myself but I did share a horsebox for a few years and that was bad enough!
 

Red-1

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A friend had this with a dressage horse, bought with the help if the trainer. It was not ideal for her (too breedy), the trainer loved competing it though. Sadly, my friend had one disasterous attempt to compete, an awful accident out hacking and at one point was not even allowed lessons on her own horse in case it upset the training.

I also know of one that went well. The instructor was happy to be able to have a horse and helped the owner. They both had fun, until the instructor wanted the horse for themselves and bought the owner out, but it was all very amicable.

Depends on the individuals concerned.
 

cbmcts

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I wouldn't. What you and an experienced rider/instructor want and need is a million miles apart.

If you buy a good safe fun 'first' horse you will have a queue of potential sharers allowing you to pick and choose who looks after and rides your horse your way when you're busy. Don't underestimate how possessive we all get about our horses :)
 

zandp

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Try a share, I had a lovely gelding I shared when I lived in the South East and worked in London with a 4 hour round trip commute - so time was tight all the time. I normally rode him more than his owner due to her shifts (why he needed a sharer) and it really helped me when I bought my own first horse.
 

honetpot

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Not the same but simular. I bought a young pony for my daughter, I used to school it and hack it when she was too young to teach the pony. At all times I was aware that the pony was bought for my daughter to do PC on, so I was always careful she was kept unwizzed and not too sharp off the leg. I once had a lesson on her, for some reason my daughter couldn't go, the instructor kept saying this pony could be really good at dressage if you rode it more. Her vision was to make the pony better to a competitive standard, my idea was to develop the pony so it remained suitable for my daughter to ride, and learn at the same time. Which she was and both my daughters rode her at PC, and she was my pony of a lifetime.
So you have to decide what your joint aims are, if they compatible, and what do you do if for any reason the horse or either of you no longer are likely to reach or want to reach that aim.
I had a friend who bought a share horse, and it ended a friendship with the sharer, because when sad things happen it can really cause friction.
 

stormox

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A bad move IMO. What happens if the time comes when instructor wants to sell horse for a profit? Or you want to sell and get a quieter one as you've found the 'talented youngster' too feisty? Who gets the money? You - as horse is yours? Or instructor as she's put all the value on it?
I think you both want completely different things- and would need different types of horse.
 

Bernster

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It’s sounds a lovely idea in practice but has lots of pitfalls as already mentioned. If you know and trust your ins and they can work to your conditions then yes it could well work. However, i think finding a share horse for you is probably a better intro to having a horse.

My ins, who I’ve known for years and is now a friend, schools my horse for me but she rides him for me, and for what I need, which is different to how she’d trains her own.
 

VRIN

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what about actually buying a horse and putting it on competition livery - you can be the owner, have the fun of going to competitions, enjoying its 'success', hopefully the value will also have increased - and then when time allows you can invest in a horse of your own which you can truly enjoy.
 

TPO

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I agree with the previous replies that a "share" like that rarely works out and joint ownership even less so.

What level does your instructor ride at and have they produced young horses before? Do they have a successful track record? Or are they an average amateur rider?

When you (generic) are learning to ride its natural to be in awe of the person doing the teaching when you enjoy it and like the person. Most of us have moved on from trainers as we've progressed so maybe don't be in a rush to "get into bed" with your first instructor.

When normality is going to return and you'll only manage a maximum of 2 visits to see a horse weekly would you consider finding a share?

Another (probably costlier) option would be to buy a horse for a pro and place the horse in competion livery. That way you get to enjoy being an owner and see your horse out and about with the Pro. Depending on the horse there may be the option to ride under the pros supervision and/or keep up your weekly lessons alongside owning a competition horse
 
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