| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Selected / Permitted | Approval required / Validator | £1,754 | £5,462 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £1,425 | £5,132 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1,328 | £5,036 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | Approval required / Validator | £651 | £4,359 | Digital retail is carrying the best net disposal value for this hatchback unit after timing, fees, and residual drag are applied. | - |
| Trade Sale | Permitted | Approval required / Validator | £245 | £3,953 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Manual Review | Permitted | Approval required / Validator | -£115 | £3,592 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £3,708 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |