| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | Approval required / Validator | £2,816 | £10,492 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance. | - |
| Extend 12 Months |
| Permitted |
| Approval required / Validator |
| £2,538 |
| £10,214 |
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. |
- |
| Extend 6 Months | Permitted | Approval required / Validator | £2,208 | £9,884 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £408 | £8,084 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £7,676 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Review | Permitted | Approval required / Validator | -£225 | £7,451 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | No approval gate | £1,134 | £8,810 | Blocked by policy: Digital retail segment eligibility. | Blocked by Digital retail segment eligibility. |