I think if you managed to pay off your credit card in 6 months, you will have a very good chance of clearing your credit union loan off very soon too. It might be a good idea to sell your house first to see what amount you can get for it. If you come out with 100,000 euro and have no other laons you would be in a very good position to get a mortgage, especially if you have a permanent job as a civil servant.
I think you might be looking at the region of 300,000 for a 2 bed apartment, or you could get a small house for about 330,000 if you move a bit outside the city, (if you can manage a 5 hour commute, this should be no problem for you!!), Best of luck, its no good being miserable if you have the means to change your circumstances.