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'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.

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REFERRALS


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

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*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 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.
by John Edgar 20 April 2026
We’re delighted to announce that CHAP’s Killie 2 Coast fundraising walk is returning on Friday 22nd May 2026 - and we’d love you to be part of it. Following the incredible success of our inaugural event in 2025, this year’s walk promises to be even bigger and better. With support from our partners at KA Leisure, we're aiming to build on the fantastic community spirit and energy of the participants that made last year so memorable. A Look Back at 2025 One of the highlights of 2025 was our first ever Killie 2 Coast walk, which brought together staff, trustees and supporters for an inspiring 18-mile journey from Kilmarnock to Ardrossan. Taking place during one of the warmest days of the month, participants set off from our outreach hub at CentreStage and made their way to the coast, raising over £2,500 for CHAP’s frontline advice services. More than just a fundraiser, the event created a real sense of togetherness as walkers shared conversations, laughter and encouragement along the way. It also became clear that many found the day to not only be a great physical challenge, but also a fantastic boost for mental wellbeing. To everyone who took part, donated or supported the event last year - thank you. You made it something truly special! What to Expect in 2026 This year, we’ll once again be taking on the 18-mile walk , starting from CentreStage in Kilmarnock at 9am , and making our way through Dreghorn, Irvine, Kilwinning and Stevenston before finishing along the coast from Saltcoats to Ardrossan. The full route takes approximately 6.5 hours , but you don’t need to complete the entire distance to get involved. Walk Your Way Whether you’re looking for a challenge or simply want to be part of the day, Killie 2 Coast is designed to be inclusive and flexible: Take on the full 18-mile route if you’re up for the challenge Or join us at one of the towns along the way and walk a section that suits you We’ll be following the main transport routes through key locations including Dreghorn, Irvine, Kilwinning and Stevenston, making it easy for local people to join in and be part of the journey. Why We Walk Every step taken helps raise vital funds for CHAP’s services, supporting people across Ayrshire who are facing housing issues, debt and financial hardship. By taking part, you’ll be helping us continue to provide free, independent, and confidential advice to those who need it most.