When you look at purchasing a horse you need to remember that the most expensive part is NOT the purchase price...it is the cost of keeping the horse. Remember that they need water, hay, grain, deworming, farrier, vet, etc. on an ongoing basis.
I recommend the most well trained horse you can afford. Trying to save money buy purchasing a horse that needs a lot of training usually turns out to cost more than you anticipated. Please see the FAQ on horse training prices.
If you are not experienced take along someone that is. Watch the Basic Groundwork DVD and notice what is said about reading the body language. Try doing some of the exercises from the DVD or ask the person selling the horse to do the exercises. Read the body lanugage. Is the horse scared, mad, quiet, spooky and are you equiped to handle this?
Spending extra money to have an experienced person you trust help you is well worth it as you will likely have this animal for years to come.
My photos come from horse shows, personal photos, event photographer, and people like you who send me photos. If I am at home and want professional quality photos my choice is Tanya Corzatt, www.corzattphotography.com. Tanya has the ability to capture unique and memorable photos every session.