Cajamar are offering 95% mortgages for upto 30 years and upto 40% of your available monthly income. (ie if you have a monthly income of 1000 euros they will ocnsider payments upto 400 euros per motnh which equates to about 80,000 depending on interest rates). It is available for upto 30 years and you can get fixed rate interest and before anyone accuses me of working for Cajamar or even a mrotgage broker – I dont. I just know they do a good deal.
There are others around also – shop around and you should be able to find something