I've employed freelance instructors and examiners in the past. Typically they'll train you in your own aeroplane or have some deal with a place to use their aeroplanes or maybe share an aeroplane with another freelancer.
One chap I used to use was a BA captain and ex Harrier pilot. I paid him £50 per flying hour or £200 per day, regardless of length of day using our group aeroplane which I thought was fair. I got him to introduce me to France and the like.
I also use an examiner who has use of some FTO's aeroplanes, I pay him £160for a Bienniel "1 hour with a JAA instructor" including aeroplane rental and signing of SEP revalidation. Being an examiner he can kill two birds with 1 stone by doing an IMC revalidation as the 1 hour thingy or if nescessary do a revalidation check flight, which is all the same price.