You could just repair the felt - and simply save up for the work that you know will need doing - the felt will keep the water out until it fails - the hole you`ve got was probably done when it was built . The block of flats I mentioned was one of two identical - the remaining one showed no signs inside the roof, and it`s still got the original 70`s tiles - what happened was that one roof`s felt just perished all over - strange - the other one is still tracking the water away . There must be millions of houses where the roofs are leaking a tad , but the felt`s holding the water back