cheapest water villa in maldives/seychelles etc?

Have a look at Mark's Travel. They usually have some very good Maldives specials for the mid range resorts

Page 5 onwards

You may however want to read up on the location of the atoll especially if you plan on snorkelling / diving. You may even have difficulty swimming from the water villa in certain resorts (e.g. Cinnamon Island) at specific times of the year so make sure you read up (trip advisor, etc) before choosing the resort.

Weve been to 5-6 different resorts on different atolls and the experience can vary greatly so make sure you do your research (and cheapest isnt always best ).

Kurumba generally has good deals for water villas (some qualify it as a 4* - others a 5*) although be warned that it is family oriented and the island is fairly close to the airport. Also you may see quite a few flight attendants / pilots as they usually get put up there for the evening (it can therefore get crowded in the evenings - dinner time) etc
probably too late but try Chaaya Lagoon Hukuraa the travel collection - part of Kuoni
Kuramathi Village are on offer with Kuoni at the moment I think as it's about to get refurbished
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