A loaning question

[xxkatejayxx]

Just wondered about your views

14.3 gelding, partially sighted in one eye so isn't really a novice ride as can be quite spooky (though doesn't say that in the ad). Has been schooled in the past but not recently. Is good to ride though can be strong sometimes in canter, hacks alone & in company. Kept on part livery (turning out, feeding and changing rugs), good hacking next to the yard but no menage.

Hes advertised for full loan to stay at current yard at £230 a month - I thought that was quite steep but just wondered about other peoples views, for full livery at the yard I'm at its £260 a month. The livery costs approx £35 per week

Its in the West Midlands.

[Rachel]

I think thats good, considering its a FULL LOAN, meaning hes YOUR responsibilty, if the livery is £230 a month and thats what she wants you wont be paying for shoes, insureance, vets etc. I would quiry it.

for a full loan and just paying the livery I donot think you are going to get any better then that.

p/s: didnt know you were looking for a new one.

[xxkatejayxx]

I'm not looking for a new one - this is the horse I was sharing. His owner has decided she wants him at a yard thats closer to her home (takes her 50 minutes to get to the yard, in her car, once day just to ride him - he was on full livery and it takes me 45 minutes on a bus!) so shes moving him in the next week or so.

The livery is currently £260 a month for full livery however at the yard he will be moving to it will be £35 per week for full livery. She has advertised him for full loan ready for when he gets to the new yard at £230 a month

[Rachel]

TBH I think its very fair, when I had my old pony on loan I would pay livery £110 p/w, insuance, vets bill, farrier, suppliments etc.

I think its upto you, if you can afford it then go for it, if you cant then maybe looks for a part loan, although I thought you were looking for full loan before, meaning it would of been more expensive as this lady only is asking for livery.

I got the wrong end of the stick then coz saw a recent ad up in SS saying looking for a horse.

[xxkatejayxx]

The horse in question is the horse I have been sharing for the last few months, I had him on part loan for £130 a month (which was half of the full livery cost, plus half towards the farrier). She has now decided she cant afford him and is putting him on full loan.

TBH honest though when I had Hugo he was only costing me £170 a month max for livery, hay, feed and farriery

[harveydales]

So this is Whiskey you are talking about - I was also a bit confused? The fact that you know him well now and enjoy him has to be a big plus. I don't know the current prices as I keep my lot at home but if I add up farriery, feed, worming, insurance, vet etc plus the average weekly livery costs in our area, then £260 per month is a very fair price.

Obviously you will need a propper agreement so you know exactly where you stand and what responsibilities you would have. You need to weigh up whether you can afford it and whether you can give Whiskey the time he will need. If niether of these are a problem then I would go ahead. You get on well with Whiskey and could have a lot of fun together. The owner obviously trusts you or she wouldn't have suggested this in the first place.

[xxkatejayxx]

She hasn't - she asked me last week if I could take him on full loan at our current yard which is £260 a month. As I said I couldn't she has now advertised him for loan at the yard she is moving him to at £230 a month

[Rachel]

£30 isnt alot but tbh I think you need to really think, say he needs vaccs, or goes lame, you need to make sure you have money behind.

I have an account I put so much into a month and dont touch its my "vet fund" incase somethin g happens, it means I know 100% I have money to back me up. I dont really want to claim off of insurance for a little amount. I would make sure you atleast have £50 to save just incase, say you need a new rug, or saddler out. It gives you a peice of mind.

I would draw up an excel chart, with that you get paid, horse costs of different thing, thing you need to pay, rent? bills? food? then other things you need. Remeber you will need something left over just incase.

When I took on Smarts and did parttime work I could just scarpe by, meaning sometimes I would have to go without new clothes or maybe a few things I like.

Now I work full time and have Fusch its abit easier but I make sure I have things I need.
Also I found if you get the bus bus passes save you money, saved me quite abit.

I work at weekend and ride 3 others once a week to save livery and also earn some money, means I still spend as much time with the neds but I am earning.

Good luck with it, I would have a big think about it, when I had Bracks I thought I could afford it but the worst thing is finding out you cant and having to give them up.

Even if it doesnt work out there is a ned out there waiting for you, it took me 3years to find Smarts, waiting is truely worth it.

[xxkatejayxx]

I'm not going to be taking him on full loan - I was asking if people thought it was expensive for a horse on full loan to be paying £230 a month

[Rachel]

okay I am even more confused, I think its bloody cheap tbh for a horse on full loan for only £230 a month, a full loan is basically near enough like the horse is your own (but without the responsibility of owning it).

Althougher my old 12.3hh on loan use to cost me £550 a month not including insurence, just because I cant remeber how much we paid for it.

If yoru not full loaning him how come you want to know?

[jec248]

I'm totally confused. I thought if you took a horse on loan, the person taking the horse on loan pays for everything except the horse who still remains the property of the owner. If the owner states that it must be kept at a certain yard then then horse must stay there. If the livery fees are £35 a week(£140 a month) then the person loaning the pony pays that, plus feed, shoes, insurance, vets bills, etc. etc. Where does the £230 and the £260 come from.? Is this sum going to be paid to the owner who then pays for livery, shoes,vets bills and everything else?


But if you are not taking him on loan, does it matter to you if its expensive or not?!!!!!!!

[Debbie]

If loaning is not working out for you, could you ride in exchange for a fee or barn duties??

[harleydales]

I have a horse on private full loan and pay EVRYTHING for him - if he was at livery I would pay that, I pay the rent for the field, pay for his feed, shoes, vet etc. he came with a wardrobe so I didn't have to shell out for that.

The others are on 'adopted loan' from a charity and again, I pay for absolutely everything.

I would query what the £230 includes. Is it just the bulk of the livery, and everything else has to be paid on top, or is it all in? The all in seems like a bad deal for the owner to me!!

[mickey]

£35 a week for part livery is incredibly cheap!
Part livery costs £220 for Yeti alone a month, shoes £50 etc.
I think £230 is very reasonable for a full loan on part livery.... if everything is paid for.
£140 livery £50 shoeing is £190, wormer £15 so £205 insurance £20 (not sure!) so £225- obviously wont be this each month- maybe more maybe less. If livery doesnt iclude feed and loan does this is also an expense for owner.

[nars]

That is dirt cheap.
I would expect to pay £90 plus per week for full livery, plus insurance, shoes, worming and vaccination. That is the average around here.