| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £5,070 | £16,372 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | No approval gate | £4,232 | £15,534 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | No approval gate | £3,652 | £14,954 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | No approval gate | £895 | £12,197 | Digital Retail Disposal is commercially credible for this hatchback case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale | Baseline / Current Plan | No approval gate | £0 | £11,302 | Trade Sale Disposal is commercially credible for this hatchback case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Permitted | Approval required / Validator | -£494 | £10,809 | Auction Disposal is commercially credible for this hatchback case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£777 | £10,525 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |