| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £10,874 | £18,714 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | Approval required / Validator | £7,815 | £15,655 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £7,103 | £14,942 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Baseline / Current Plan | Approval required / Validator | £0 | £7,840 | Trade Sale Disposal is commercially credible for this premium case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Permitted | Approval required / Validator | -£425 | £7,415 | Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Selected / Permitted | Approval required / Validator | -£662 | £7,178 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | Approval required / Validator | £760 | £8,600 | Blocked by policy: Retail mileage overrun ceiling. | Blocked by Retail mileage overrun ceiling. |