| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | No approval gate | £1,714 | £23,576 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | No approval gate | £841 | £22,703 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | No approval gate | £763 | £22,624 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Baseline / Current Plan | No approval gate | £0 | £21,862 | Digital Retail Disposal is commercially credible for this premium case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale | Permitted | Approval required / Validator | -£1,568 | £20,294 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Permitted | Approval required / Validator | -£2,402 | £19,460 | 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 | Permitted | Approval required / Validator | -£2,915 | £18,946 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |