| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | Approval required / Validator | £2,551 | £10,699 | 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 | £2,300 | £10,448 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1,917 | £10,065 | 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 | £8,148 | 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 | -£423 | £7,725 | 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 | -£658 | £7,490 | 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 | £755 | £8,903 | Blocked by policy: Digital retail segment eligibility. | Blocked by Digital retail segment eligibility. |