| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | No approval gate | £2,018 | £21,949 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £1,369 | £21,300 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1,081 | £21,012 | 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 | £19,931 | 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 | -£1,465 | £18,466 | Trade Sale Disposal is commercially credible for this premium case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Permitted | Approval required / Validator | -£2,248 | £17,683 | 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 | -£2,726 | £17,205 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |