We should be a bit careful with metal-working machine terminology here:
A fixed flat-bed machine with moving gantry is a
router.
A fixed-head machine with moving X-Y table is a
mill.
Routers are mainly for engraving and contour cutting in soft materials. The whole construction principle does not allow for the rigidity needed for working in steel (unless you make it extremely massive).
A mill is a different story, and can basically be built to very high rigidity with little effort.
A very popular CNC mill setup in the hobby/prototyping scene is the Sieg SX2 with added CNC kit. The machine is from Shanghai, but good quality.
http://www.siegind.com/product_detail/sx2-mini-mill-drill-15008858857815262.htmlThe X2 is rigid enough for steel and SS using reasonably sized cutters (from experience: up to ø4 mm, with care ø6 mm).
Ready to bolt on CNC kits are available from several supplies, eg, Heavy Metal CNC or CNC Conversion Plus.
Downside to the Sieg SX2: the X/Y working envelope is just 100 mm x 220 mm.
But this is about as cost-effective as you will get.