You don't really get any HOB or HOT filters here in the UK, are you against
using a canister filter? I use Rena's XP3 on one of my 20 gallons and a
Tetratec EX 600 on another.
The Tetratec EX 600 is like Marinelands new canister:
http://www.edirectory.co.uk/pf/880/mia/pid/4447038
I always have crystal clear, particulate free water and clean, poop-free
substrate. I've raised several batches of fry in the 20 gal with the XP3 so
no, it isn't too much flow if you position the output and some current killing
rocks/driftwood in certain places. It is waaaaaay "overfiltered" but that's no
bad thing.
The Tetratec/Marineland (identical) is cheap but really well made and has a
slower flow/higher filtration volume method, rather than just turnover
(hence why I oversized mine).
I got my Tetratec for £30 and it's got similar filtration capacity to the XP2
which retails for £115, it is actual quality for cheap, unusually!