OWNING your first horse is a very exciting prospect and what most riders aspire to, but there are many things to consider before buying to help ensure a happy and safe relationship and not a complete disaster.

The British Horse Society's (BHS) welfare department has a wealth of information on buying a horse plus the cost of keeping a horse or pony and offers the following basic advice to anyone thinking of taking the plunge.

Owning a horse is very time-consuming and consideration needs to be given as to how you would adapt your daily routine to care for it. Even checking rugs, giving fresh water and feed can take time, without mucking out, grooming, handling or exercising.

It is also important to be realistic about your capabilities as this is essential in determining what type of horse you need or what is supposed to be an enjoyable partnership could be a horrendous and potentially dangerous one.

Make a list of your riding abilities, competency in handling a horse from the ground, your knowledge of horse care and general equine knowledge. Be truthful, fooling yourself may result in a horse fooling you.

Could you recognise ailments like colic and laminitis? There is nothing wrong with admitting you are not an expert or the best at everything and are willing to take advice.

Buying and owning a horse is a huge financial commitment and the cost of keeping a horse far outweighs its purchase price.

Consider feeding, worming, teeth, feet, vaccinations, livery costs, vets' fees, tack, rugs - and so the list goes on - so be realistic and set a budget. Once that's decided, along with where to keep your horse (livery yard, a rented field etc) make a list of what type of animal you want: characteristics, what it will be used for. Finding the right horse takes time and this kind of list will help you not to fall in love with the first one you see.

Horses are advertised in saddlery shops, newspapers, magazines and it is always good to inquire at pony or riding clubs and riding schools. Always take an experienced person or instructor with you when viewing a horse.

Ask as many questions as possible on the telephone first to avoid wasting both your own and the seller's time if the horse is unsuitable. Also ask why the horse is for sale, whether tack and rugs are included, what is its history, how does it behave with the farrier, in traffic and in a trailer. There are many important questions and again, the BHS has an exhaustive list.

When you visit, always see the horse ridden before getting on yourself. Walk, trot, canter and maybe pop a jump, then go away and think about it. Don't decide on the spot and don't be afraid to call the seller with any other questions.

When you find the horse most suitable for you, the BHS strongly advises getting a pre-purchase veterinary examination.

While expensive, this can save money in future and reduces the risk of buying a horse which may have health problems.

For the first few weeks the horse will be adjusting and settling into its new environment. This time should be spent getting to know it and allowing it to get to know you. It will take time for the horse to learn to trust you and for you to establish a good partnership.