You are the person buying the horse and paying for it. Whatever horse you buy should suit your needs, not the trainer’s needs (or desires). You have a finite amount of money to spend on this. Not a penny more.
Make a list of your must-haves, your wants (might be negotiable) and your definite don’t wants. Put it on paper to remind yourself. For example
Must cost less than XXXXX
The horse must be able to jump 1.1 at least
The horse has of show experience at 1.1 and has been successful at that level.
I must like riding the horse
I must feel confident riding the horse
The horse must not drag me to the fences
The horse must be controllable by me
I want a horse that is taller than 16.3hh (I say this is negotiable because would you really turn down a 16.2 horse that you had an awesome connection with and could jump the moon and was sound just because he was a little short?)
I want a horse that is between 6 and 10 years old (is it okay if they’re 11 or 12?)
I want a gelding (but would be okay with the ‘right’ mare)
I do NOT want a horse that can only jump once a week because otherwise they are unsound.
I do NOT want a horse that requires a pro (your trainer) to ride them in order for them to perform well.
I do NOT want a white horse (remember these are only examples)
Trainers looking to increase their commission will try to get you to fall in love with something that’s above your price range, maybe by inflating the price, with the hope that they can get you to spend more so they get a bigger commission.
With you searching on your own, and knowing the real/advertised price of the horse, that kind of limits how much of a commission can be padded onto the price as two trainers talk to each other.
I think you need to be clear with your trainer of what your needs and wants and don’t wants are. If he’s getting a commission for finding you this horse, he needs to be clear on what you want.
Be prepared that if YOU find something that YOU like and YOU buy it without him, he may not be quite so friendly about working with you. He got nothing out of the deal. He’s in this job to make money, and you just kept him from making some. You and he need to be clearly on the same page about what works for you and what doesn’t if you intend to stay with him (and he wants to keep you as a client)
He may want you to buy something not quite right for you but that might work for someone else he knows so that when you can’t ride it because it’s too much, you will pay him to sell it to someone else (where he can make another commission, probably from both sides!)
Remember - your money, your horse.