sounds ideal.. And what type of competing are you planning? Have you looked at any...

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Congratulations

What you are looking for is possible!! My Tb mare is for a novice or an experienced rider!! I bought her unerweight and not in the best condition but now she is birlliant and iv only had her 2 months!! She is brilliant for a novice but when someone with more of an electric bum gets on she is really forward and will do what ever is asked of her!!
I think this sort of horse would be the perfect balance as you both want different things!
Loan with a view to buy is good but be cautious, iv had a few loans with view to buy's go wrong because owner changed their mind or decided the horse was worth more than agreeed price etc so just make sure you have a solid contract in place!! You can print them off the BHS website!

Best of luck!!