Hi Laura,
Does the heater work, because some times water leaks due to cylinder head gasket problems, so if the heater is working fine,then its not likely to be the cylinder head gasket, you said steam from the top of the bonnet please take great care when dealing with the coolant system when Hot,as you can seriously scald yourself, so next time you see any steam if you can stop and open the bonnet and just look where its coming from,if a rubber hose then this is likely the culprit,or your cap on the header tank, may not be tight enough or the spring relief valve may have weakened,brown stuff in the coolant is Rust normally,although some rad leak stoppers are brown,if you can see a patch under the car then definitely leaking ,so you can have the cooling system pressure checked in a garage not normally expensive and quick,this will locate weak spots and any leaks in the system , but if you prefer look around the engine where the rubber hoses are and look for brown rust streaks from the bottom of them,as this would indicate a loose Jubilee/Coolant clip, you can tightened yourself,when the engines cold i.e. before you start it up, you can squeeze the hoses by hand and see if Any leaks appear, if your radiator has a cap this also has a pressure relief valve,normally in the centre of it ,only take caps off when the engine hasn't been running as pressure and exceedingly hot water will be ejected,blast out even,hope this helpful,the exhaust sounds like a silencers baffles have collapsed.