Full loan to stay at same home

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lacey111

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Can I expect anybody to take on the full costs of a 16.1hh super safe 15/16yr old gelding on my own field where I have no facilities other than just a field/small shed for stuff and decent hacking?

I had someone interested who had unfortunatly had come off at local riding school and has injured her back so can no longer take him on.

Am I asking too much? His costs work out at about £40 a week all in - no more to pay in winter as ive added up hay and feed costs and spread it out over the whole year as I buy in bulk for all 3 horses so potential person just needs to give me money and ill buy things in. No livery fees to pay as on my own land.

He just needs some love and attention as we havent got the time for him, but as we have struggled to keep weight on him in previous winters, we wanted him to stay with us so we can managed this in the way that we did last year which worked.

Am I asking too much?
 
It does sound like a lot. Although I know it's probably realistic. Could you instead offer for them to buy the hay, etc, off you as they need it rather than a set amount all year round.

Or give them the option once you've found someone. If you genuinely just want someone to loan him at cost then the most important thing is finding the right person. £40 a week would put me right off even though I can appreciate that it's a genuine amount when winter costs are spread across the year.

ETA: To answer your first question I'd take on a horse on full loan including all his costs if all I wanted was hacking and you (being the other "livery") were a nice person. If I were looking.
 
Sorry but I agree, I have mine on DIY livery on a really nice yard. Stable and grazing, 2 schools and a jumping paddock to ride in and lots of hacking and that doesn't cost me that much, even in winter. You may struggle.
If you want to keep him with you maybe offer to half that bill knowing that he is where you can keep an eye on him and he is getting the attention he deserves.
 
I loan one of mine and all I ask for is the cost of his shoes - the rest I provide as think that whilst as he is still on my property, his costs are my responsibility. After, all if I didn't have anyone to ride him I would still have to feed and clothe him!

If you are struggling would it not make more economic sense to let him go from your home, whereby it would be more reasonable to expect the loaner to pay full costs?
 
Right, not including livery (1 stable, lots of fields, nothing else) Reg's average costs per week are:

£15 feed (including supplements)
£5 hay
£5 shavings

(this is average over the year and he lives out as soon is it's spring time)

Those are the costs for a 16.3hh TB ex-racer who's in full work eventing at BE100 level and aiming towards getting to Novice next year... I think £40 is very expensive IMO.

HOWEVER, if you are willing to lend a hand, then someone from a riding school could be quite up for that- cheaper than riding lessons for sure!
 
I have a sharer who pays me £100 a month on a yard with all the facilities and great riding too... she comes up 3/4 times a week and doesn't need to do anything other than leave the yard as she found it!
 
I agree with the others, 40 a week is really expensive, if this is your own filed with no stables I can't see how you can get to 160 per month.

Doies he have other costs, feed expensive? Perhaps you can elaborate on why it costs so much?
 
As I am wanting someone to "full loan" hin, i have included costs for shoeing - £60 every 6 weeks aswell as vaccinations, worming, insurance, feed (as a 16yr old TB he does have quite alot of feed in winter) adlib hay, i have a big bale once a week in a ring feeder between 3 as its cheaper than small bales and it gives about £5 a week towards my field rent. I say its my own land but i do rent it which is alot cheaper than livery. i added everything up to a yearly amount and divided by 52 to give the weekly amount.

I have people part loaning my other 2 due to lack of time and unfortunatly we no longer compete him and I cannot afford to pay for a horse for other people to ride when we dont ride him. Fair enough if we still rode him like we do the other 2. This is why I want him out on full loan.

I cant let him go else where because my other lad goes nuts when we take one team chasing. he can manage a couple of hours if this one is out being ridden but not all day as it ends up being when we are competing 3 hours away from home.
 
I understand your thought process, but he is still your horse. So you should expect to pay something towards his keep. Especially if your benefitting from him as company. Would the loaner not be allowed to ride out if you go teamchasing?

Also, I wouldnt pay this much for a loan with limited schooling facilities. In winter, when hacking is difficult, £40 is alot to pay for someone elses horse when you cant ride because of the weather.
 
Im suprised you all feel this is expensive, have just advertised my 6yr old connie for full loan elsewhere, have included a "keep him here for £30 a week full livery option" as that seemed like a good deal to me. If you were to take my or this horse away and pay livery-going to cost lots more surely :confused:
 
he can manage a couple of hours if this one is out being ridden but not all day as it ends up being when we are competing 3 hours away from home.[/QUOTE]

Yes loaner can ride, he will run about in field a bit, a couple of hours is ok as this happens now when the other 2 are ridden out, but all day is just too much as I will come home to an injured or worn out horse who has run him self crazy around the field.

Thoughts taken into account. Still not sure what to do as I cannot leave my little lad alone and i worry so much about older lad with his weight and don't want someone running him into the ground or taking advantage of his genuiness as he will happily keep going even if lame so if rider hasnt realised he wont tell you and I worry he will be ruined.

My friends 7yr old daughter hacks him out once a week to keep him ticking over at the minute he is that safe.

I understand what people are saying and will take on board but also remind people that I am wanting a full loan for him. not a part loan. so loaner has got to take on every cost.

He will cost more to keep on a livery yard as box walks and trashes his bed so bedding costs go through the roof and you have to feed him more because he walks all the weight off going round and round in the stable :-( which is why he lives out 24/7

Thoughts taken on board and will go and have a re think :-) Thank!
 
smiggy said:
Im suprised you all feel this is expensive, have just advertised my 6yr old connie for full loan elsewhere, have included a "keep him here for £30 a week full livery option" as that seemed like a good deal to me. If you were to take my or this horse away and pay livery-going to cost lots more surely :confused:
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Most livery yards around me are a minimum of £25 a week up to £40 a week and not all have facilities so you can easily add another £130 a month onto the £40 a week you already need to pay for his every day keep. so to me i though it was cheap.

I have trailer and am happy for him to go to comps/shows etc and there is alwas someone to ride out with as 3 others share my other 2 geldings aswell as me and my partner riding.
 
I don't see why everyone thinks this is expensive at all?! Most full loanees would have to pay that plus a bit more to keep her at a livery yard , especially if it was part or full livery. I agree some people may be put off by the fact she can't be moved and facilities aren't great but others would appreciate that the owner would be around for help and advice if needs be , AND in this day and age when you here so many horror stories about lovely sounding people that take a horse on loan then sell it on to someone else or even an abbotoir at worst I wouldn't want to loan a horse out where I couldn't keep a constant eye on it. I'm not saying all loaners are like that , 99% of them are fantastic but you do get the odd few that ruin it for everyone else :rolleyes:

And as for the pricing the average price for a share (riding 2-3 days a week) where I live is between £15 and £30 per week. I have before seen someone advertise there horse on DIY livery for a 2 day share for £200 pcm. Sharers are there to HELP you with the time and costs involved with your horse not to pay for all of it! Anyway gone off on a tangent slightly. basically I would not say £40 per week was unreasonable however perhaps as your facilities aren't that great if you have trouble finding someone at that price lower it slightly?

Anyway best of luck , if I was nearer to you I'd be interested :)
 
What do you feed him on? Caviar?

But seriously, I feel you are asking quite a lot. My liveries here pay £80 per month, living out 24/7 for 4+ acres of grazing, two shelter barns, and I do all the feeds, rug changes in winter, haying and watering. The cobs' feed bills are about£15 p.w. in winter and nothing in the summer - the TB is about £20 p.w. in winter and £5 in summer.
 
Sorry, not read all the replies, hope I haven't misunderstood.

For me, it sounds as if you are keeping all the control, while wanting someone else to meet all/most of the expense of the horse's keep. Also you are offering no facilities.

Personally I can't see why anyone would take you up on that. Sorry.
 
I have my pony at a yard with moderate facilities, including an floodlit arena.
In summer it is £30 per for grazing and stable, he gets a little feed, half a haynet, and some shavings when in light work, an extra £8.00 per week, I have just had a bill for teeth and jabs and that was £70, next week I am due to pay for Public liability, another £40.00.
I am saving £400 a year by not shoe-ing, but he will need a good diet in winter, £10.00 per week, plus hay/haylage at £10.00 per week., and shavings at £10.00 per week.
To be honest people who do not own their own horse have no idea how much it costs, I recently met a new owner, who thought £30 per week would cover everything, I had to explain that that was the cost of her stable!
I have had my horse advertised to share ("£120 pcm) and had no takers presumably due to cost, people round here think that if they own a horse or loan a horse they will have cheap riding.
The owner will almost always have to subsidise the loaner, if that is not acceptable, it is best to sell the horse to a new owner.
I know a lot of people on here say it costs them very little to have a horse, but really, it is not always possible to find a field with water and shelter and access to hacking for £15.00 per week. Even if the basics are cheap, there may be fuel costs, and if you add on PL and feed and shoes and rugs and tack and shampoos, fly sprays, brushes, etc it all adds up to an expensive hobby.
 
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£160 per month for costs for a full loan is about what I'd expect to pay for a horse on grass livery with no facilities tbh. I'm assuming your costs include contribution towards field rent here? I allow £200 per month for anything living out.

Breakdown:
£40 insurance
£35 shoes (if shod all round, shoes £70 per set round here)
£5 wormer
£30 feed (summer)
£15 vitamin supp
= £125

In winter you then add hay (£35 for a pony, double that for a big horse), more feed (£10 more per week). So £200

If you add field rent (min £40 per month) then you're looking at £165 in summer and £245 in winter. Would cost an awful lot more stabled on a yard with a school!
 
dorito said:
Sorry, not read all the replies, hope I haven't misunderstood.

For me, it sounds as if you are keeping all the control, while wanting someone else to meet all/most of the expense of the horse's keep. Also you are offering no facilities.

Personally I can't see why anyone would take you up on that. Sorry.
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Am not wanting to keep all the control, I just worry about this particular horse as he has sentimental value to us as was given to us by a friend and we promised a home for life. He really is worth his weight in gold, my 2 yr old daughter potters around him, grooms him, sits on him etc etc he will do anything for anyone and I know that he is a sort hard to find and a sort likely to fall into the wrong hands and vanish if i moved him.

What I am offering to someone is a horse on full loan the easy way. The opportunity to ride 5/6 times a week if wanted, help if needed as i will be up twice aday to see to my other 2 geldings so loanee may only need to go up once a day if cant get, pleanty of people to ride with, no mucking out in winter, just check water, rugs, hay and give him a feed, do a bit of poo picking in field as any horse owner would have to ( i certainly do my fair share with a 2yr old child in tow). I know what works with the horse feeding wise, we have tried so many different things and I want to make sure that this is kept up otherwise I will have a horse looking like a bag of bones that no one can ride. Adlib hay is a necessity when they live out all year round and is cheaper in the long run as i just use the big bales.

To me its just an easy and cheap way for someone to have their own horse. Im there for advice if needed, i just need someone who can get on with things as I havent the time to be showing someone the ropes ie. how to tack up etc which is why we want someone to take him on as he is just sat there costing me a fortune and taking up time that I don't have at the minute.
 
In theory your costs seem reasonable when you include all the items you are paying, but it sounds to me that you want someone to keep him exercised and looked after to save you time and also you want to keep hold of him as your own horse. If i were you I would drop the cost to £20 to make the offer more attractive then you will hopefully have enough interest to find the right person.

I was in a similar position with a pony a few years ago who I wanted to keep at home as company to my mare. I did eventually find a lovely girl who wasn't in a strong financial position so I just asked her to pay the costs of shoeing. Tbh it was well worth it to get the right person. Good luck.
 
lacey111 said:
Am not wanting to keep all the control, I just worry about this particular horse as he has sentimental value to us as was given to us by a friend and we promised a home for life. eone to take him on as he is just sat there costing me a fortune and taking up time that I don't have at the minute.
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Sorry OP, but if I was to give my horse to a friend who offered a home for life, I would expect them to do just that, and not to put it out on load to an unknown person, and ask for payment for it s keep.
I would not offer a home for life unless I could afford it.
 
owwww Lacey111, I am sorry, I didn't mean to upset you!:o

Your original post touched a bit of a nerve with me, as after losing my own horse a few years ago, I was offered a 'share' where the girl talked me into riding twice a week at £x, once I had agreed to that she asked for £x towards the shoeing, somewhat taken aback I sort of agreed to that before she then came out with wanting a further £x for his insurance...I could see it was just going on and on, I knew she already had another sharer for the pony and it was feeling like the little madam wanted to rent the poor pony out and turn a profit, more than just get help with the costs.
The money she wanted was getting towards what it would cost to keep a horse for my own sole use and no negotiating over days to ride etc with anybody. So I turned her down.

However, that experience has left me a bit touchy. I mean no offence to you.

Apologies once again:D
 
lacey111 said:
he can manage a couple of hours if this one is out being ridden but not all day as it ends up being when we are competing 3 hours away from home.
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Yes loaner can ride, he will run about in field a bit, a couple of hours is ok as this happens now when the other 2 are ridden out, but all day is just too much as I will come home to an injured or worn out horse who has run him self crazy around the field.

I understand what people are saying and will take on board but also remind people that I am wanting a full loan for him. not a part loan. so loaner has got to take on every cost.


He will cost more to keep on a livery yard as box walks and trashes his bed so bedding costs go through the roof and you have to feed him more because he walks all the weight off going round and round in the stable :-( which is why he lives out 24/7

Thoughts taken on board and will go and have a re think :-) Thank![/QUOTE][/QUOTE]
I don't think you are taking on what people hare are saying, what you want is someone to take over all the costs of the horse, if they can afford that, then they would buy their own horse, and not have to bother with all your input.
 
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Just a thought - as he would be a full loan what would happen if the full loaner wanted to do a show (ie a full day thing) the same day you were also doing one so the other horse would be left alone for longer than a few hours? Would you refuse to let them?

As it stands I would class it as a part loan as you are retaining a lot of control rather than a full loan, therefore has to be priced accordingly (half costs rather than full costs).

I would not be happy to pay full costs where I do not have full control.
 
.".To me its just an easy and cheap way for someone to have their own horse. Im there for advice if needed, i just need someone who can get on with things as I havent the time to be showing someone the ropes ie. how to tack up etc which is why we want someone to take him on as he is just sat there costing me a fortune and taking up time that I don't have at the minute.........."

I really am running out of patience here: so you want someone to take over all costs for a horse you were given because you promised it a home for life, but now you don't want to pay for it, and you can't sell it, so you want an experienced person to take it over and pay you. You do not have enough time to spend [it takes 6 minutes to tack up], with this horse who is a paragon of virtue, but not suited to your needs, so you need to find some person who knows about horses, so you don't need to help them, if I were looking for a horse to share, I would look elsewhere.
 
i think the costs would be fair if you had slightly more facilities - once the winter & darkness & mud sets in - riding for the loaner would be limited & many people would prob perfer to pay a little more to keep a horse on DIY at a basic livery yard with a school
 
On the costs, I can push my costs to £100 per month it I really push to round everything up, I am also on 24x7 turnout with few facilities much as you describe.

I have a full loan, can ride when I like and do not have the owner peering over my shoulder which would seriously put me off, (unless you want a young novice this would put alot of people off I would imagine).

Full loan to me means its pretty much my horse to care for, loan at owners yard for me is a share as owner is still holding the control etc. and I would expect to contribute toward costs in these circumstances (shoes etc.) but not foot the whole bill.

I think coming into winter the costs presented would be too much for many when riding possibilities are going to be hampered by the weather as winter progresses, maybe try again in Spring?
 
MrsD123 said:
answer 1) NO
answer 2) YES
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For once, I have to agree with you.

Sounds like having the cake, eating the cake and wanting more to me.

That is not a loan it's a part share for miserable facilities, having to mind what they do because A) owner will be always looking over the shoulder and b) because of the youngster not allowed to be on his own. You don't want a loaner, you want a carer to allow you to go off playing on your own.
If horse is costing you that much to keep every week, all year then I despair of your budgeting skills. Take his shoes off and retire him as a companion to your youngster instead because I honestly can't see anyone wanting to take that loan on with your conditions, sorry.
 
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