Why don't you start with a share or part loan? This gives you a good taster of horse ownership without the commitment and with the support of an owner. It also means you can get to know the people at that yard and have the support of horsey friends when you do decide to make the leap.

I wouldn't buy a horse without sharing for at least 12 months first.

I started with a share, then moved on to a full loan. It was 10 years before I eventually bought my own!