The camchain on my valver started rattling at about 120k and made a hell of a racket. Listen closely to the head at the opposite end to the cambelt. I actually found the noise could be heard better from inside the car with the door and bonnet open, or even better stand a little way from the car and get somebody else to rev it for you and you will clearly hear the rattle over the engine noise. When I took mine to the garage I was happily revving the arse of it to demonstrate the noise to a mechanic, he couldn't hear it but the manager came rushing out of the office saying I must be brave revving it with a rattle like that!!!
Not a mojor job but best to replace your tappets and cambelt at the same time so it can become pricey.
Toby