Closing this thread four and a half years later.
The 'rattle' was indeed a blowing exhaust manifold gasket that leaked on cold startup until temperature caused expansion that closed the gap.
It gradually got worse and worse, eventually taking a good five seconds to go quiet. On replacing the turbo this week and fitting a new exhaust manifold gasket, the 'rattle' is gone.
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2003 V70 2.4T SE | Owned from new | M56 | Bilstein B4 | Nivomats | BSR PPC | Ferrita Exhaust | Poly small bush in lower torque mount
2008 C30 T5 SE Sport R-Design | Dynaudio | BLIS | Winter Pack | Towbar | Parking Control | Keyless | 18" Atreus
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