A little bit of a drive, but try X-Spec. I saw their ad in Jap Performance, and they are doing cambelt change, belt and labour for 99 quid. Dont know what they are like but a bit of a bargain, as long as you dont need a tensioner.
The whine when the brake pads are low is the rather medieval pad wear indicator. Its just a lug on the pad which makes contact with the disc when low. I just changed my pads, and its refreshing to be able to drive with no squeal.