| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | No approval gate | £3,719 | £20,866 | 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 | £3,335 | £20,482 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £2,842 | £19,989 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Selected / Baseline / Current Plan | No approval gate | £0 | £17,148 | 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 | -£743 | £16,404 | 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 | -£1,195 | £15,953 | 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 | £1,388 | £18,535 | Blocked by policy: Retail mileage overrun ceiling. | Blocked by Retail mileage overrun ceiling. |