What the ... loan prices?

BoolavogueDC said:
To me, the idea of a loan is free, the loanee pays all costs.
A lease is where you pay a fee.
A Share is where you do just that :)

I wouldn't consider paying (in this area) over £50 p/m for a share unless it was of something of huge quality. Generally it seems if you are leasing, you are leasing quality so that makes sense.
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really???? 50 quid doesnt even cover shoes!
 
I wouldn't want a sharer, particularly not one who had no interest in doing chores (I'd expect them to enjoy it as part of the horse experience, not want paying). However, if I did have one, I'd only let them ride for free or pay them if they were a better rider than myself, and had a proven competition record. Most sharers don't, but do tend to overrate their riding ability, as well as under-estimate the costs of horse ownership and the likliehood of someone providing them with a free horse.

I wouldn't have thought competing was an option with most share horses, unless you are very fortunate. Even then, I would think it would be something that would be offered in time, not straight away. Some four year olds can be very good to ride (and need less "work" than some older horses with bad habits), and many people find riding a young horse which constantly learns and improves more rewarding.

As for the poster who mentioned wanting a quality horse, I very much doubt that most successful affiliated competition horses would be available to sharers.

Friends coming up to help out and ride casually is great, and I wouldn't dream of money changing hands.
 
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ljpinkhorse said:
But for sharers to pay half they should also have half the say over everything else such as where the horse is kept how it is managed etc so literally being a part owner rather than just a sharer.
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Don't agree at all.
If you are a part owner, you better be prepared to pay half the worth of the horse! You don't get to decorate/knock down walls/re-do gardens in rented houses - so why do you think you should act like you own a horse you don't and only pay a nominal fee for every month? At the end of the day a sharer mucks up a decision and can walk away - an owner cannot - so all important choices should definitely fall to them. The horse is their ultimate responsibility.

Luckilly my sharers and I have always discussed things, like moving etc and generally we've always agreed anyway. However if they didn't and it became an issue - it'd be a case of tough. Buy your own if you want full and final say! :)
 
ljpinkhorse said:
I don't see why the sharer should have to pay half the costs. Most sharers already do free labour (which the owner would otherwise have to pay for by paying extra for part livery) and paying some form of financial contribution is also fair (towards shoes, any extra feed etc).

But for sharers to pay half they should also have half the say over everything else such as where the horse is kept how it is managed etc so literally being a part owner rather than just a sharer. And payin over half is just ridiculous I have seen ads for children/teenages ponies at £150 a month for 2-3 rides a week and all stable duties expected as well! Some people are just looking for someone to pay a majority (if not all) of the bills for them!

-rant over- lol at the moment I am sharing a lovely pony with no financial contribution and no chores required just tack up and ride think I have fallen on my feet lol.
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Yes...I think you have....;)

Remember...at the end of the day the owner of the horse is the one with the responsibility.....sharers can up sticks whenever they like. Owners are left with vets bills when the pony is ill/lame......

Some sharers don't seem to have any idea of the real costs of horse ownership and the amount of time/chores it takes to look after them. I spend less time on the horses than looking after them....if was mad enough to get a sharer I'd expect chores to be done as well as riding....cos surely you are 'sharing' the whole experience....which includes chores,bills,being unable to ride cos of lameness/crap weather etc etc etc....
 
ItsJzo said:
Everyone has different views on this but as far as I am concerned if I had someone experienced exercising my horse for me, I woul probably pay them! People need to realise its not just about sharing your horse, the loaner is doing you a favour aswell! (providing they are experienced)
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yes actually agree with i would happily let someone exercise my mare if they were experienced even though on average she costs me 500 per month at the moment i am paying my instructor to ride her twice a week
 
cassie summers said:
yes actually agree with i would happily let someone exercise my mare if they were experienced even though on average she costs me 500 per month at the moment i am paying my instructor to ride her twice a week
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But thats not a share/part loan is it, thats you paying an rider to excercise your horse, whcih to my mind anyway, are two very distinct and different things :)
 
pixiebee said:
really???? 50 quid doesnt even cover shoes!
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That's probably why I've had two wonderful sharers :D

I've always charged £50 (or half my standard livery basically) because after all, IM using the shoes too and would be anyway etc etc Maybe my sharers have always had it easy but I wouldn't have been without them, both fantastic women who I was so, so grateful for their help.
 
sitch said:
My main problem with it as someone also noticed is the fact that particular one is just broken in, so that means a lot of work with have to be done for the particular one. It just seems shocking to me, having to pay that much for the pleasure of working hard on someone's horse. I just don't really get it.

For that kind of price I would expect at least a weekend day and the potential to compete (at my own cost).
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For some people, working with a young horse is a pleasure rather than a negative. Each horse teaches the trainer so much. If the preference is riding a ready made horse without learning general horsemanship, then pay a good riding school to provide a ready tacked up school master for around £40-50 a lesson instead.

Spending time on a yard, gaining experience of different horsecare issues, having a one to one relationship with the horse and enjoying life around horses is what a share agreement offers.
The sharer still has the option to walk away which an owner can't do when problems occur and he/she only has a part time commitment with a fixed financial outlay. No nasty unexpected vet bills for sharers, transport outlay etc etc.

Personally, if a potential sharer is an excellent rider with time to commit, then I never ask for money. If they are a novice wanting to increase their knowledge and improve riding skills, then I have asked for a contribution as the time taken to mentor them and ensure they are supported is often very time consuming.
 
When I used to loan I paid £100 a month for 3 days a week. 3 days is practically half the week so surely you should pay nearly half?! I don't think people realise how much horses cost to keep until they have one! Nothing irritates me more than seeing adverts of people who want a loan but want to do stable duties instead of contribute financially. They'll see how cheeky this is when they get their own!!
 
Capriole said:
But thats not a share/part loan is it, thats you paying an rider to excercise your horse, whcih to my mind anyway, are two very distinct and different things :)
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i know its not but what i was saying is i would rather someone with experience ride my horse and share her for free than someone novice who i would have to supervise half the time i had a sharer for my old horse for 3 years and yes she did pay me 100 a month but i did let her compete and ride both days on the weekend all i am saying is for me its not about the money its about the experience and anyway what is part loan surely thats a share and full loan the loaner pays everything
 
I think under normal circumstances paying what works out the cost of keeping the horse per day is fair for a share or part loan. And to say that the sharer then has equal rights to the owner is rubbish. Unless they stump up half the purchase costs too. Plus if its a schoolmaster the owners brought on themselves a sizeable donation to cover the owners time & costs in getting it to that level. And half the cost of all the equipment too. On their days the sharer should do the jobs as well as ride. Only exception is when the owner is getting a more experienced rider than themselves improving the horses value in a manner that would normally cost them.
Full loan means you pay all the upkeep & have the horse to yourself, with maybe basic rules about what work/ routine/ tack the horse needs & having to inform the owner if you want to move yards or change basic agreed stuff.
 
horserider said:
For some people, working with a young horse is a pleasure rather than a negative.
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I have just started sharing a just broken, 4 yr old pony, so much fun bringing her on and teaching her new things ! £10 pw,as much riding,and just hanging around with her as i like, and i chip in for fuel if we go out in the box, can compete and pretty much do what i like with her ! after reading this, i think i am so lucky !!!
 
Fascinating reading!

A friend is currently riding my girl 3 days a week - I recently mildly fractured my elbow and wasn't able to ride, so she did all riding and I arranged (and paid competition entries) for her to go SJ, have a lesson and go to a ODE as thanks for keeping her in work.

Now I'm back riding, she's doing half of the labour a week (horse on part livery), riding 3 days a week, having a lesson (paid for by her) every other week, and we'll share competing for the summer......and I'm not expecting any money.

I'm not an extremely highly motived rider so my horse gets the exercise and experience she needs, and my friend gets the fun of the horse. I still get all decisions etc, which is fair as I am paying everything. It never even occurred to me to ask for any money towards her upkeep - after all, I'd be paying it anyway!!
 
I think it should depend a lot on the horse TBH.

My youngster needed a lot of bringing on and education originally so I was happy just to have a sharer to help,kind of figured we were helping each other out TBH so no costs either way seemed fair to me.

I am currently looking for a sharer for my bombproof,super safe (but very lazy and slow lol) cob and am asking about £10 per week for 2-3 days.
I'm not sure if this is fair or not but it seemed a round figure and I didn't have a clue really.He doesn't cost loads to keep and is only suitable for hacking and light schooling,so didn't want to charge a lot and seem like was trying to take advantage,OTOH he's so reliable to ride,there are no chores involved and can have use of him as their own with everything provided so thought some contribution was appropriate??

I'm not sure I would be comfortable with charging someone what it actually cost to keep the horse,or a percentage of.I can see the logic in it but somehow it doesn't seem right to me.Most share arrangments benefit the owner in some way,so that should be part payment in itself shouldn't it??

Don't know really but if it's any help I *think* the average in my area for sharing a fairly decent all rounder on DIY yard with basic but adequate facilities is £15-25 per week,from the ads I've seen and people I know anyway.
 
devonlass said:
Don't know really but if it's any help I *think* the average in my area for sharing a fairly decent all rounder on DIY yard with basic but adequate facilities is £15-25 per week,from the ads I've seen and people I know anyway.
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seems to be about the same in my area to , going on the ads i have seen
 
devonlass said:
I am currently looking for a sharer for my bombproof,super safe (but very lazy and slow lol) cob and am asking about £10 per week for 2-3 days.
I'm not sure if this is fair or not but it seemed a round figure and I didn't have a clue really.He doesn't cost loads to keep and is only suitable for hacking and light schooling,so didn't want to charge a lot and seem like was trying to take advantage,OTOH he's so reliable to ride,there are no chores involved and can have use of him as their own with everything provided so thought some contribution was appropriate??
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Devon Lass,

Please tell me you now live in South Essex :D I'd bite your hand off for him at twice the price!

I've shared mine in the past and learnt the hard way that 'free' rides are often undervalued - I'm not talking about excellent riders who improved the horse, they were usually experienced enough to appreciate what hard work and how much money keeping a horse costs (even on the cheap) - but there are people who if they don't pay even a little bit think that they can pick up and put down the ride as they feel like it because there is no loss to them if they ride or not. That looks a little harsh written like that but I hope you know what I mean!

I've being looking for a share since mine retired - not much money to spend as I'm still paying for my two - and struggling to find something that I can afford AND want to ride. In fairness there are no shortage of horses available but I have limited time and am no longer half as capable as I used to be (not ridden for a few years and not very confident on board anymore) so I've more or less given up trying :( I think I need to find a stud that has an older nanny that needs to mouch out with me and then I'll happily do all the ground work with their youngsters in return - I'd enjoy that:D

It's difficult whatever way you look at it. I agree that horses are dear to keep and sharers should pay in one form or another but on the other side it's very hard to find a horse, yard and owner that you can enjoy and work with...
 
sitch said:
having to pay that much for the pleasure of working hard on someone's horse. I just don't really get it.
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That's the point, the pleasure :)

sitch said:
But what is shocking me is the high price of loans. One in particular is £150 a month for a 4 year old just broken in, andd only 3 days, and that does not include a weekend day.
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Where is the horse kept? Full livery in Cheshire in yards with really good facilities will set you £500 a month or more before you even start looking at shoes, wormers, insurance, vets, tack, rugs etc etc etc.

What's the quality of the horse? Is it one that someone would give their eye teeth to be able to ride but never be able to afford themselves?

I'd say it was a fair deal for anyone who likes the experience of bringing on a young horse, or if the horse is 4 going on 20, like some are. It's only £35 a week, £11 and pennies a day.

Lots of people work shifts, or have kids at school, who might be fine with no weekends.
 
If I could get 3 days on a schoolmaster, with no mucking out (asthmatic, not lazy) and somewhere with good hacking and pref indoor school I'd pay £150 - possibly a little more for a really nice horse. But then I wouldn't be training the horse. :D

I used to have a lovely lady who exercised my horse and paid some money. It was an excellent arrangement for both of us.

Paula
 
Yeah I have a true full loan. Pay nothing for horsey per se, but have inherited all costs. Livery,shoes, feed, etc. Comes to about £200 a month? But..to all intents and purposes, shes MY horse. x
 
I have just come across an advert someone wanting to full loan their pony to stay at present yard, but would allow it to go out on full loan, but if it does they want £2000 to paid which will not be refunable. Who in their right mind will pay that they may aswell go buy one :confused:
 
cbmcts said:
Devon Lass,

Please tell me you now live in South Essex :D I'd bite your hand off for him at twice the price!

I've shared mine in the past and learnt the hard way that 'free' rides are often undervalued - I'm not talking about excellent riders who improved the horse, they were usually experienced enough to appreciate what hard work and how much money keeping a horse costs (even on the cheap) - but there are people who if they don't pay even a little bit think that they can pick up and put down the ride as they feel like it because there is no loss to them if they ride or not. That looks a little harsh written like that but I hope you know what I mean!
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Not in your area I'm afraid but if you're ever in sunny Devon do pop in and say hello:)

TBH I have never relly considered the money side of it before,I have just been glad of the help,but people did say to me that I would be better off asking for a contribution like you said so that people take it more seriously and are more committed.

He's such a good lad to ride,not exciting by any means lol but he's steady as a rock and very safe,I am hoping someone who just wants to plod about and spend some time with him will be interested:)
 
Cricket, think I will sell all my horses and just share one since apparently I can do it for free with no responsibility!

For anyone that thinks they can share/part loan a good all rounder for diddly squat, I have to say, I think you have never experienced what it costs to keep a horse!
 
I'm currently looking for a share for my son and have been trawling through lots of adverts recently.

One that really made my draw drop was on preloved. Two year old pony, so no riding, but they wanted 2-3 weekdays for you to groom and yard duties and for you to pay £35 pw for the pleasure! :eek:

We had a trial share of a pony, that sadly didn't work out as she was a little too much for my novice son, and she was £25pw for 2-3days. I think it was a bit steep due to circumstances surrounding her care. Would have been completely fine on a livery yard, but she was a companion pony to their horse, living on someone's private yard at their house, unshod, and no feed. However, I would have been happy to pay it if she had been right for my son, unfortunately they weren't a good match.

So we are still looking, and expecting to pay approx £20-30 per week for 2-3 days.
 
I wish I hadn't read this thread - I just worked out what my horse costs me per day and before I even add in vet, supplements etc it comes to 18 euros :(

Why does it seem so much more acceptable when it is all lumped together in one invoice at the end of the month?
 
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