Yeah it would be due for one within next 6-12 months tbh mate. Understand what you mean by it only being low mileage, but the cam belt goes and youm spending alot more than 500 quid to fix it lol
Also look on Karl's section on here, think he's doing a cambelt kit for 220 ish, just need to go to a garage of your choice then for labour side of it.
Hope that helps a bit anyway