Will definitely check the bonnet stay tomorrow.
Yeah it's funny how everyone's mini seems to have some kind of rattle
I'm very aware that some people take advantage of owner of older cars claiming for more expensive problems etc that's why I'm keen to isolate the problem.
Yes it is underload when it happens, she runs very quietly with no odd noises when in idle and when you ease the accelerator. The rattling is a loose sounding rattling, sounding fairly tinny, its doesn't sound like a knocking sound more like something is moving around.
It could also possibly be the exhaust rattling on the bulkhead as im pretty sure your exhaust won't be standard, so check the clearance between the exhaust and the bulkhead.
Also check any engine steadies you might have top and bottom, preventing whatever it is rattling might help pin it down a bit

Was the engine tuned up before you bought it?