| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £3,567 | £6,895 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | No approval gate | £2,884 | £6,213 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £2,492 | £5,821 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | No approval gate | £333 | £3,661 | 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 | £3,329 | 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. | - |
| Manual Review | Permitted | Approval required / Validator | -£299 | £3,029 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Auction | Permitted | Approval required / Validator | -£209 | £3,120 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |