Chantal ROMNEY, Real Estate Advisor in Tours (37000, 37100, 37200).
Expertise: old, new, life annuity, forward sale & bare ownership.
A human approach at the heart of every project
I am passionate about real estate above all else—but even more so about meeting people and helping them achieve their life goals. Every case is unique, every story counts. My daily goal is to offer truly tailor-made solutions, build lasting trust, and support my clients through what are often decisive stages in their lives.
I have been based in Tours for several years now and feel completely at home here. To find out more about the area in which I work, please visit my dedicated page: https://chantal-romney.capifrance.fr/fr/immobilier/a/tours
Understanding your expectations, listening to your story, and transforming your projects into lasting successes... that's what drives me.
My positioning and professional DNA
• Dual expertise in real estate and wealth management: over 20 years of experience in wealth management and real estate transactions, offering a comprehensive overview of financial, legal, and inheritance issues.
• Recognized expertise in life annuities: after five years at the helm of an agency exclusively dedicated to life annuities, I have developed a clear, educational, and reassuring approach for both sellers and buyers.
• A strategic choice: joining Capifrance in 2025 to benefit from a powerful, innovative, and agile structure, while retaining the essence of my profession: listening, proximity, and independence.
A human approach at the heart of every project
I am passionate about real estate above all else—but even more so about meeting people and helping them achieve their life goals. Every case is unique, every story counts. My daily goal is to offer truly tailor-made solutions, build lasting trust, and support my clients through what are often decisive stages in their lives.
I have been based in Tours for several years now and feel completely at home here. To find out more about the area in which I work, please visit my dedicated page:
Comprehensive support, tailored to your needs
I offer a full range of real estate services, adapted to each situation:
• traditional transactions (purchase, sale, investment);
• life annuity expertise: occupied life annuity, unoccupied life annuity, bare ownership, forward sale, wealth management strategy;
• new off-plan sales;
• property valuation, local market analysis, and personalized advice;
• administrative and legal support until the contract is signed.
For those considering a purchase requiring optimized financing, you can read one of my blog articles on zero-interest loans (PTZ): https://chantal-romney.capifrance.fr/fr/blog/emprunter-mieux-acheter-plus-vite-pret-a-taux-zero-ptz
And because some projects require additional expertise, I work in collaboration with Capifrance colleagues who specialize in:
• commerce & business;
• luxury real estate;
• rental management;
• complex asset management structures.
This synergy allows us to provide comprehensive, clear, and effective solutions.
A relationship based on trust and transparency
Feedback from my clients is at the heart of my practice. They regularly highlight—in their reviews on Google, Immodvisor, and my website: https://chantal-romney.capifrance.fr/fr/avis-clients—my availability, my teaching skills, my kindness, and my ability to calmly support projects that are sometimes sensitive.
My commitment:
• Active and attentive listening;
• Complete transparency at every stage;
• Personalized, structured, and methodical support;
• High availability to inform, reassure, and guide you in your decisions.
Would you like to discuss your real estate project?
Whether it's a sale, purchase, investment, or a question about life annuities or bare ownership, I would be delighted to discuss it with you.
Let's meet over coffee, on the phone, or via video chat to talk about your project.
I'm here to listen.
Why consider an alternative to the traditional life annuity?
Life annuities (occupied or unoccupied) rely on a risk factor: the seller's lifespan. But this model isn't suitable for all situations. Some people want a more predictable, flexible, or tax-efficient solution.
This is where alternative forms come into play, each with their own specificities.
Bare ownership: selling... without leaving your home
The sale of bare ownership is based on the principle of dismemberment of ownership.
The seller transfers bare ownership of their property, but retains the usufruct, i.e., the right to use and collect rent (if they rent it out).
They can therefore continue to live in their property, or rent it out if they are not currently occupying it.
In return, they receive a cash lump sum, with no annuity payments.
For the seller:
They remain in their home or continue to collect rent.
They receive a substantial sum upon closing.
They benefit from favorable tax treatment (no capital gains tax if it is the primary residence).
For the buyer:
They become the bare owner of the property.
They do not have to manage tenants or heavy expenses.
Upon expiration of the usufruct (death or early departure), they recover full ownership at no additional cost.
This is a widely used solution for transfer or long-term investment purposes.
Deferred Sale: A Risk-Free Alternative
In deferred sale, the principle is simple: the seller receives a down payment + monthly payments, but for a pre-determined period (e.g., 10 or 15 years).
Once the term has expired, the property is fully paid for.
Unlike a life annuity, the contract is not random: the duration and amount are known from the outset.
Two main types:
Free deferred sale: the buyer can occupy or rent the property immediately.
Occupied deferred sale: the seller retains use for a few years (a period specified in the deed).
For the seller:
They know exactly how much they will receive,
They can remain in the property for an agreed period,
They avoid the uncertainties associated with its longevity. For the buyer:
They benefit from a gradual payment without bank interest,
They invest without the uncertainties of a life annuity,
They can occupy the property quickly (open sale) or in the future (occupied sale).
Ideal for young retirees, those too young for a life annuity, or those looking for a more "classic" alternative without going through a bank.
A few words of introduction
Chantal ROMNEY – Your real estate expert in Tours: life annuities, old and new properties with clear, personal and strategic support
Who I am
A real estate expert for over 22 years, I assist homeowners, buyers, and investors in Tours and the surrounding area, specializing in life annuities, property valuation, and traditional real estate transactions. My website offers a glimpse into my world, my latest news, my properties, and my services: https://chantal-romney.capifrance.fr/fr
After many years in the Paris region and then settling in the Touraine region, I have developed an approach based on listening, transparency, and truly personalized support.
My goal: to secure every step, enhance every project, and build a lasting relationship of trust.
Contact me for a valuation of your house or apartment, a life annuity estimate, or a new construction project.
My areas of expertise.
Residential
Life annuity
New Developments
Rental
Sold
Exclusive
SEMBLANCAY 37360
House
- 144 m²
- 3 bedrooms
Sold
Exclusive
TOURS 37100
Apartment
- 99 m²
- 3 bedrooms
Sold
Exclusive
CHAPET 78130
House
- 190 m²
- 4 bedrooms
Sold
Exclusive
SAINT CYR SUR LOIRE 37540
House
- 84 m²
- 0 bedrooms
Sold
Exclusive
MONTROUGE 92120
Apartment
- 62 m²
- 2 bedrooms
Sold
Exclusive
SAINT PIERRE DES CORPS 37700
Apartment
- 74 m²
- 2 bedrooms
Sold
Exclusive
SAINT PIERRE DES CORPS 37700
Apartment
- 80 m²
- 2 bedrooms
My client reviews 
They trusted me
Le 27/11/2025
« Très grand professionnalisme pour la vente de mon appartement en viager. Très bonne disponibilité pour répondre à mes diverses questions. »
Le 25/11/2025
« Madame ROMNEY nous a accompagné d'une manière très professionnelle dans notre premier achat en viager. Elle donne des informations claires, complètes... »
Le 30/06/2025
« J'ai décidé de vendre mon appartement en viager occupé pour rester chez moi le plus longtemps possible. Ne pas dépendre financièrement de mes enfants.... »
Le 30/06/2025
« Avec ma conjointe nous avons acheté un appartement en viager occupé pour en faire à termes notre résidence principale. Nous avons contacté Chantal ROM... »
Le 30/06/2025
« Nous avons fait une acquisition avec Chantal ROMNEY d'un appartement en viager occupé pour notre future résidence principale. Un apport de départ, une... »
About my area
Tours
Tours, capitale des Châteaux de la Loire, offre une qualité de vie qui attire autant les familles, les étudiants que les retraités. Grâce à son patrimoine historique, ses infrastructures modernes et son accès rapide à Paris (1h en TGV), la ville et ses alentours connaissent un marché immobilier en p...
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Chantal ROMNEY
Capifrance consultant