Are you worried about

Debt, Benefits,

or Housing?



As a trusted charity, CHAP has been providing free, independent advice and support to people across Ayrshire for over 25 years.

We are hiring!


CHAP is currently seeking to recruit 2 x Information & Advice Officers to join our successful team. For more information and to apply, please click here.

We're here to help.
Tell us what you need...

Worried about mortgage payments?


The AHAP service provides free financial advice and legal support for homeowners in Ayrshire who are experiencing financial difficulties and are unable to maintain their mortgage payments.


AHAP is a partnership between CHAP and Govan Law Centre and is funded by the Scottish Legal Aid Board.

MORE INFO

REFERRALS


To make an appointment with an adviser, or to refer someone, please select the relevant link below.

REFER YOURSELF REFER SOMEONE ELSE*

*For North Ayrshire Council staff, please complete this form.

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What our clients said

“Extremely happy with the service. I wouldn't be where I am just now without the staff at CHAP. I will return in future if needs be”

“The service was brilliant, cannot talk highly enough of the service and will be recommending CHAP to others. I am very grateful for my advisor’s help and will not hesitate to come back for help in the future for myself and my son”

“Everything was dealt with very well and I was always kept informed. CHAP is the best service for finance help as everything was dealt with fast everything was explained clearly”

“100% fantastic service, not one single complaint. I would like to thank my advisor for all her help and would highly recommend – the service she provided couldn't have been better”

“The service and staff were great & so helpful. I wouldn't have known about PIP if it wasn't for CHAP & will be back in the future for any renewal forms”

“The service is great. I was always made to feel at ease and that staff were willing to listen to any questions/issues. The staff were very helpful”

“Extremely happy with the service. I wouldn't be where I am just now without the staff at CHAP. I will return in future if needs be”

“The service was brilliant, cannot talk highly enough of the service and will be recommending CHAP to others. I am very grateful for my advisor’s help and will not hesitate to come back for help in the future for myself and my son”

“Everything was dealt with very well and I was always kept informed. CHAP is the best service for finance help as everything was dealt with fast everything was explained clearly”

“100% fantastic service, not one single complaint. I would like to thank my advisor for all her help and would highly recommend – the service she provided couldn't have been better”

“The service and staff were great & so helpful. I wouldn't have known about PIP if it wasn't for CHAP & will be back in the future for any renewal forms”

“The service is great. I was always made to feel at ease and that staff were willing to listen to any questions/issues. The staff were very helpful”


Latest News...

by John Edgar 5 June 2026
Do you want to make a real difference to people's lives? Information & Advice Officer x2 35 hours per week | Fixed-Term for 12 Months Salary: DOE CHAP is looking for two Information & Advice Officers to join our growing team and help support people facing some of life's most difficult challenges. Every day, we work alongside individuals and families experiencing housing difficulties, financial hardship, debt problems and welfare rights issues. We provide free, independent advice, advocacy and representation, helping people understand their rights, access support and overcome barriers. In 2025 alone, CHAP secured over £4.2 million in financial gains for people across Ayrshire. We are proud of the difference we make, but we know there is more to do. Demand for our services continues to grow, with increasing numbers of people seeking support with housing, debt and welfare rights issues. These new posts will help us reach more people, earlier, and provide the support they need before problems reach crisis point. About CHAP CHAP is an independent charity providing specialist housing, welfare rights and debt advice throughout Ayrshire. As the only organisation in Ayrshire accredited to deliver Scottish National Standards Type III advice across all three areas, we provide practical support to people facing a wide range of challenges. We help people understand their options, navigate complex systems and access the support they need. We exist to provide hope and to stand alongside our clients as they deal with some of life's most difficult circumstances. About the Role This role involves working directly with individuals and families experiencing a range of housing, welfare rights, and financial issues. You will: Provide information, advice and advocacy to clients. Support people to understand their rights, options and available support. Work with clients to identify solutions and achieve positive outcomes. Represent and negotiate on behalf of clients where appropriate. Manage a varied caseload and maintain accurate case records. Work closely with partner organisations to ensure clients receive the support they need. Contribute to the delivery of a high-quality advice and advocacy service. This is a rewarding and varied role where no two days are the same. Whether helping someone avoid homelessness, maximise their income, challenge a decision or overcome debt problems, your work will make a genuine difference. About You We are looking for people who share our commitment to helping others and who believe everyone deserves access to high-quality advice and support. You may already have experience in advice work, advocacy, housing, welfare rights, debt advice, employability, social work, community development, support work or similar fields. Most importantly, you will be someone who: Has experience supporting people facing difficult circumstances. Can build positive relationships and communicate effectively with a wide range of people. Is organised, reliable and able to manage a varied workload. Has a genuine desire to help others. Is willing to learn and develop new skills. Can work independently and as part of a supportive team. Experience of welfare rights, debt advice, housing advice or advocacy work would be advantageous. However, we are committed to supporting the successful candidates through training, supervision and professional development. In Return We Offer The opportunity to make a genuine difference in people's lives A supportive and experienced team environment Ongoing training, supervision and professional development. The opportunity to develop specialist knowledge and skills within an accredited advice service. A full driving licence and access to your own vehicle is essential as travel throughout Ayrshire will be required. For an informal discussion about the role, please contact us on 030 0002 0002 . To apply, please submit your CV together with a covering letter outlining how your skills and experience meet the requirements of the role to: enquiries@chap.org.uk . Alternatively, you can download an application form , complete it and email to enquiries@chap.org.uk . You can also download our recruitment privacy policy . Information and Advice Officer Job Description Person Specification Closing Date: Noon Friday 26th June 2026 Interviews: Thursday 9th July 2026 This post is subject to satisfactory references and PVG Scheme membership. CHAP is an equal opportunities employer and welcomes applications from all sections of the community.
by John Edgar 1 June 2026
Our second Killie 2 Coast fundraising walk took place on Friday 22nd May and what a day it was! Following the success of our inaugural event in 2025, we were thrilled to see K2C return bigger and better this year, with participants joining us for all or part of the updated 18-mile route through Dreghorn, Irvine, Kilwinning, Stevenston and Saltcoats before reaching the finish line at our main office in Ardrossan. Thankfully, the weather remained dry throughout the day and temperatures were cooler and kinder to our walkers than last year's event, which took place during one of the warmest days of the month. The more comfortable conditions allowed participants to enjoy the journey and let the conversations flow. We were particularly delighted to be joined by fantastic workplace teams from Morgan Sindall Construction and We Work For Families , whose enthusiasm, determination and fundraising efforts helped make the day such a success. A special thank you must also go to KA Leisure , whose support for the event was invaluable. Not only did they kindly allow us to use facilities at The Portal in Irvine as a key stop on the route, but they also supplied the much-loved Activator Bus , which provided encouragement and and motivation for walkers as they tackled the final stage of the journey towards the finishing point. A Huge Thank You We're thrilled to share that this year's K2C event has raised a total of £1,385 so far. We would like to thank every single person who took part, made a donation, shared our social media posts, sponsored a walker, volunteered their time, or simply cheered us on as we passed through their area. And of course, thanks to all the CHAP staff and trustees for their hard work and commitment for making this year's K2C the best yet! As always, events like Killie 2 Coast are only possible thanks to the generosity of local businesses and community partners. We would like to extend our sincere thanks to all of our sponsors and supporters who helped keep walkers fuelled, hydrated and motivated throughout the day: Branding Hub Ayr Brownings the Bakers Dreghorn Library Greggs Foundation Morgan Sindall Construction Morrisons SK Tes If you’d still like to make a contribution, we'll be able to accept donations until 13th June - JUSTGIVING All donations received will go toward helping CHAP continue delivering free advice and support to individuals and families in need across Ayrshire. Thank you to everyone who helped make Killie 2 Coast 2026 such a memorable day. We look forward to building on this year's success and welcoming even more walkers for Killie 2 Coast 2 027!
by John Edgar 19 May 2026
Many individuals and families across North Ayrshire are experiencing increasing pressures around finances, wellbeing, housing and day-to-day living. Money Max has been created to provide practical, person-centred support that helps people overcome barriers, improve financial wellbeing and access the right services for their needs.