There is an 'OK' secondhand market in Sweden and Denmark, and a large on in Germany. If money is of importance, you can probably find a good deal there.

E.g: http://www.hobiecat.nu/forum/kopsaljhyr.asp for Hobies in Sweden.

Have you 'locked on' to Hobies, or are you open to other designs as well?
If I was to buy a boat today, I would have looked hard at the F16's, or F18's.

I came into sailing via the Tornado route. Found and bought an old Tornado for a song, fixed it up and learnt to sail _and_ repair boats with it. There has been some Tornado action in Finland, so you could probably find an old Tornado rotting away under the snow at the larger sailing clubs.. If you want to sail instead of fixing old boats, buy something better