Cunninghame Housing Association

What Cunninghame Housing Association does

Cunninghame Housing Association (CHA) is a not-for-profit Registered Social Landlord and registered charity (SP02184R / SC037972) operating across North Ayrshire, East Ayrshire, and Dumfries & Galloway in Scotland. Founded in 1984, the organisation manages approximately 3,400+ social homes and serves as a regulated landlord providing affordable rental housing allocated via Choice Based Lettings (and Homes4D&G in Dumfries & Galloway). Beyond its core housing stock, CHA operates three enterprise centres in Ardrossan (Frank Sweeney, Michael Lynch, and James Moffat Centres) providing 25,000 sq ft of workspace to local businesses and social enterprises, and runs ancillary tenant services including the award-winning Lemon Aid Fuel Poverty Advisory Service, a Financial Wellbeing Service, and a tenant portal branded My CHA.

CHA's business model is anchored on weekly social housing rent collection from approximately 3,400 tenancies, supplemented by factoring service fees, enterprise centre rental income, and ancillary subsidiary revenue (notably Cunninghame Furniture Recycling Company, a wholly-owned subsidiary offering tenants 10% discount on furniture). A 5.5% rent increase is set to take effect from 1 April 2026, averaging £4.26 per week per tenancy, under a phased rent and service charge review arrangement agreed in 2019. The organisation is funded primarily by tenant rent, with capital expansion dependent on Scottish Government grant awards — over £13.66m has been committed across recent developments including West Byrehill (£6.351m), Garven Road (£3.2m), Green Street Saltcoats (£2m), Janet Strang Court (£1.089m), and an External Wall Insulation retrofit (£1.02m). The Making Our Communities Better Places (MOCBP) Fund, established 1999 in Ayrshire and extended to Dumfries & Galloway, channels further community investment.

Governance is provided by a voluntary Board of Management led by Chairperson Janet Strang (longest-serving member since April 1994) and Vice Chairperson Brenda Johnstone (since September 2023). Current CEO Jacqueline Cameron leads an executive team comprising Executive Directors of Finance and Corporate Services (John McIntyre), Housing and Communities (Jennifer McCann), and Development Services (Linda Anderson). CHA has accumulated a substantial awards portfolio including UK Landlord of the Year 2014, UK Small Social Landlord of the Year 2014, Most Outstanding Housing Association in the UK 2017, Investors in People Platinum (2016, re-accredited 2023), and multiple CIH Scotland and TIS National Excellence Awards through 2024, alongside 92% tenant satisfaction reported in the 2025 Tenant Satisfaction Survey.

Name

Cunninghame Housing Association

Legal name

Cunninghame Housing Association

Website

https://cunninghame-housing.org

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

51–100 employees

Short description

Cunninghame Housing Association is a not-for-profit Registered Social Landlord managing approximately 3,400 social homes across North Ayrshire, East Ayrshire, and Dumfries & Galloway in Scotland, providing affordable housing alongside fuel poverty advisory, financial wellbeing, and community grant services to tenants.

Ownership category

akta.pro rank

Product category

Social Housing and Affordable Rental Services

NAICS

Lessors of Real Estate (5311), Rental and Leasing Services (532), Lessors of Nonresidential Buildings (except Miniwarehouses) (53112)

SIC

Operators Of Apartment Buildings (6513), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD)

akta.pro secondary industries

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Affordable Housing Property Management (BPAJAGAJ)

Keywords

• Social housing rental
• Affordable housing services
• Registered social landlord
• Tenant support services
• Community housing development

Headquarters

HQ city

Ardrossan

HQ country

United Kingdom

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Social Housing Rent: CHA generates primary revenue through weekly rental charges for approximately 3,400 social homes across North Ayrshire, East Ayrshire, and Dumfries & Galloway. Rent is charged weekly with various payment options including direct debit, card payments, standing orders, and AllPay.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Cunninghame Housing Association is a not-for-profit Registered Social Landlord and charity that provides affordable rented housing across North Ayrshire, East Ayrshire, and Dumfries & Galloway in Scotland. It manages approximately 3,400 social homes and supports tenants through ancillary services including a fuel poverty advisory service (Lemon Aid), financial wellbeing support, furniture recycling (CFRC), factoring, and enterprise centre office rentals for local businesses.

Product overview

Cunninghame Housing Association operates as a not-for-profit Registered Social Landlord and charity offering social housing for rent across North Ayrshire, East Ayrshire, and Dumfries and Galloway. The organisation provides a tenant portal (My CHA) alongside ancillary services including the award-winning Lemon Aid fuel poverty advisory service, Financial Wellbeing support, and Cunninghame Furniture Recycling Company (CFRC) subsidiary. Its enterprise division manages three property centres (Frank Sweeney Centre, Michael Lynch Centre, and James Moffat Centre) offering affordable office and business spaces. Additional services include factoring, Choice Based Lettings for housing allocation, and the Making Our Communities Better Places (MOCBP) community grant fund. Rent payment processing is facilitated through the ALLPAY online platform.

Differentiator

Problem solved

Functional benefit

Brands

• Making Our Communities Better Places Fund (MOCBP): A community fund that awards grants to local groups and projects supporting sport, youth activities, wellbeing, music, safety and volunteering across CHA communities.
• Lemon Aid Fuel Poverty Advisory Service
• Citrus Energy

Products and services

• My CHA Tenant Area
• Lemon Aid Fuel Poverty Advisory Service
• Cunninghame Furniture Recycling Company (CFRC)
• Financial Wellbeing Service
• Michael Lynch Centre for Enterprise
• Frank Sweeney Centre for Enterprise
• James Moffat Centre for Enterprise
• Making Our Communities Better Places (MOCBP) Fund
• Factoring Service
• Choice Based Lettings (CBL)
• AllPay Online Payment Platform
• Citrus Energy

Quantifiable outcome

• 92% of respondents satisfied with overall service provided by CHA in 2025 Tenant Satisfaction Survey
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• McTaggart ConstructioncoreStrategic or Co-development PartnerMain contractor for West Byrehill new housing development in Kilwinning. Delivering 72 new homes under design and build contract over 95 weeks. Based in Dalry.
• Ashleigh ConstructioncoreStrategic or Co-development PartnerDeveloper partner for Gottries Road development in Irvine (28 units) and main contractor for Green Street Saltcoats development (24 new flats). Working with CHA on new build social housing projects.
• WarmworkscoreStrategic or Co-development PartnerJoint management partner for £2.4m External Wall Insulation project in Dalry (97 homes). Consultant committed to providing reasonable warmth and driving cut of carbon emissions. Supported by Scottish Government's Social Housing Net Zero Heat Fund.
• Insulated Render Systems ScotlandminorStrategic or Co-development PartnerContractor for External Wall Insulation installation in Dalry. Began work in May 2023 with project completion expected early 2024.
• Clyde Coast ContractsminorStrategic or Co-development PartnerMain contractor for Janet Strang Court development (13 new homes) at Corrie Crescent, Saltcoats. Based in Ayr. Development cost £1,963,000.
• Geo Beattie & SonsminorStrategic or Co-development PartnerDemolition contractor for Green Street Saltcoats development. Awarded demolition contract with work starting May 2021.
• North Ayrshire CouncilcoreStrategic or Co-development PartnerKey strategic partner for housing developments and community planning. Co-funds new build projects and supports regeneration initiatives across North Ayrshire.
• RH Youth OrganisationminorStrategic or Co-development PartnerPartner for Easter event in Dumfries & Galloway. Provides egg-citing Easter events for CHA tenants.
• KA LeisureminorStrategic or Co-development PartnerPartner providing free swimming and ice skating sessions in North Ayrshire during summer holidays, including dedicated sessions for children with Additional Support Needs (ASN).
• Elite Touch FootballminorGTM or Marketing PartnerPartner for Free Football Funday events for children aged 5-12 in Ardrossan.
• Ardrossan Winton RoversminorGTM or Marketing PartnerPartner for Free Football Funday community events.
• Ardrossan Community Sports HubminorGTM or Marketing PartnerPartner for Free Football Funday community events.
• Ardrossan Community Development TrustminorStrategic or Co-development PartnerPartner for community events including Easter activities. Provides venue (The Hub on the Prom) and donated Easter eggs.
• Cunninghame Furniture Recycling Company (CFRC)coreStrategic or Co-development PartnerSubsidiary organization of CHA that helps tenants furnish their homes for less. CHA tenants receive 10% discount at CFRC store. Donated air fryers and vouchers for Annual Tenants Conference.
• Seed Environmental LtdminorStrategic or Co-development PartnerAppointed on behalf of land owners to address issues at West Byrehill site following battery fire incident in April 2025.
• Lemon Aid Energy Advice ServicecoreStrategic or Co-development PartnerAward-winning fuel poverty advisory service operated by CHA/Citrus Energy. Helps tenants access energy support and smart meter upgrades. Contact: 0800 221 8089 (Ayrshire) or 0800 049 6528 (Dumfries & Galloway).

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Fyne Homes: Small Scottish housing association operating social and affordable rented housing in Argyll & Bute. Closest small-scale structural comparator to CHA, with similar charitable RSL model and community-development emphasis.
• Scottish Borders Housing Association: Mid-sized Scottish social landlord providing affordable housing across the Scottish Borders. Similar charitable RSL structure, comparable stock size range, and overlapping tenant services (welfare support, community engagement).
• Eildon Housing Association: Scottish Borders-focused housing association providing social and affordable rented housing plus community support. Comparable small-to-mid-sized RSL with similar rural/regional Scottish footprint and tenant-services orientation.
• Osprey Housing Association: Scottish housing association providing social rented homes across the Highlands and Moray. Comparable mid-sized RSL focused on affordable housing with strong tenant participation and community programmes.
• Dunedin Canmore Housing Association: Scottish housing association providing affordable rented housing across central Scotland with community-focused services. Similar structure to CHA as a charitable RSL providing social housing plus tenant engagement and support services.
• Link Group (LinkHousing): Mid-sized Scottish housing association operating affordable rental homes across multiple Scottish regions. Closely comparable to CHA in stock size, geographic spread within Scotland, and landlord-plus-community-support operating model.

Broad incumbents

• Places for People Group: Large UK-wide housing association managing over 100,000 homes. Provides useful scale comparator for CHA in terms of operating model (landlord plus community services), though significantly larger and more geographically diversified.
• Sanctuary Housing Association: One of the largest UK housing associations with a significant Scottish presence. Provides social/affordable housing plus supported living and community services, mirroring CHA's landlord-plus-wider-Impact model at much larger scale.
• Wheatley Group / Glasgow Housing Association: Largest social landlord in Scotland, operating tens of thousands of homes across multiple regions. Direct comparator in business model (RSL charity), geography (Scotland), and service scope (housing plus community services), though at materially larger scale than CHA.

Regional players

• Langstane Housing Association: Aberdeen-based housing association providing affordable housing in the north-east of Scotland. Comparable RSL structure and size to CHA, serving a different but similar Scottish geographic market with similar landlord-plus-wider-impact model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CunninghameHA
• Facebookfacebook.com/cunninghamehousingassociation
• LinkedInlinkedin.com/company/cunninghame-housing-association-ltd

Compliance29 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cunninghame Housing Association