Sadly if you want a safe hacking horse between 14.2 & 16hh that isn't old (young horses don't have the experience to really be called a safe hack imo) and that's not got problems then that's about right, particularly if you maybe want the option of doing a bit more as you progress. Yes you can get cheaper but you'll probably have some work to do, or it'll be starting to get on in years, or there'll be an "if" or "but" somewhere. You haven't been riding long, you don't want to take on a problem, heck lots of us who've been riding for years don't want to take on a problem. The market really is a sellers one, and that reminds me when you start looking remember that many sellers are not at all honest so be very careful and don't be rushed or pushed into buying without a vetting.