What we do

Rural Financial Counselling Services are:

  • Free, independent and confidential
  • Staffed by qualified and experienced Rural Financial Counsellors (RFCs) who understand farming and business – our RFCs are required to have a Diploma of Financial Counselling as minimum qualification, and have years of experience in assisting farming businesses
  • For primary producers of livestock, milk, honey, fruit, crops, wool, meat, vegetables, eggs, fish, plants, trees and logs
  • For small businesses who mainly support primary production such as: fencing, shearing sheep, controlling weeds or agricultural pests, managing stock, planting crops etc.
  • Able to assist farm or small agribusinesses experiencing or at risk of financial hardship
  • Able to come to your place of business or you can come and see us.

Assistance when

Rural Financial Counselling Services can assist businesses affected by:

  • Drought/water issues
  • Low commodity prices
  • Natural disasters
  • Structural adjustment
  • Industry downturns
  • Low equity/tight cash flow
  • Difficulties with lenders or access to finance
  • Unpaid creditors/debtors
  • Market disruptions
  • Changes in personal circumstances
  • Farm accidents or illness
  • Share farming/succession agreements/ contracts.

How can we help you

Rural Financial Counselling Services can help you:

  • Understand your financial position and the viability of your enterprise
  • Identify options to improve your financial position
  • Develop a plan to implement your chosen options, and implement that plan
  • Provide information, referrals, and support to access, government or industry grants and programs
  • Assist you to deal (whether through meetings or otherwise) with lending institutions in relation to:
    • Applications and contracts with those institutions; and
    • Processes relating to farm debt mediation
  • Assist you to identify the need for advice from professional service providers, and provide support with preparation for meetings with professional service providers.


NE Regional Soil Health Conference

NECMA conference

North East Regional Soil Health Conference - 14 May 2021 at Beechworth is for ALL land managers, agriculture industry groups and soil health service providers in North East Victoria.
Read more ...

Farm Finance getting prepared 2021 Webinar

Farm Finance

The team at the Young Farmer Business Network have put together a series of sessions designed to build skills in financial planning and business resilience for your farm business.
Read more ...

 blog rru

Regional Round-up is a monthly newsletter providing an overview into the environmental and business conditions affecting farmers and rural businesses in the Goulburn Valley and North East Victoria.


Opening milk prices are:
Saputo $5.75/kg MS
Fonterra $5.85/kg MS
Bega $5.85/kg MS

Several reports indicate over 40% of the Murray Region’s dairy farmers have switched milk buyers in the last twelve months. Approximately 20% of dairy farmers have exited from the industry altogether. On a more buoyant note, the same reports advise that 60% of dairy farmers are expecting to make a profit in the 2017/2018 year. This compares well to 40% in the previous year.


The early June rainfall saw crops out of the ground however with little or no rain since, some crops such as canola are beginning to show stress. As fertiliser application rolls out, this needs to be accompanied by decent rainfall which is yet to occur.
In some parts of NSW crops will not be sown this year due to drought-like conditions.
Crop prices are up, with wheat and cereal hay the biggest beneficiaries of price increases. As demand increases, so too, will prices.


Wool prices have reached record highs and lamb and mutton prices also remain high.
Wagga Wagga recorded a new high for heavy lambs of $276.20/head in late June.
High prices are attributed, in part, to a sheep shortage however, this may change. There is some speculation that WA sheep could flood eastern markets due to the loss of two live export contracts.


Cattle prices remain firm due to some scattered rainfall however, a shortage of feed and higher maintenance costs is impacting on carrying livestock through the winter months.
Some rain and colder weather saw an increase in unfinished bullocks presented to the Shepparton and Wodonga markets. A lack of rain has resulted in increased numbers at saleyards.


The service is currently working with industry organisations to promote and build awareness of the RFC service via newsletters and other promotional material.


Cental Goulburn        May                               June
HRWS                  $3,200-$3,300/ML            $3,300/ML
LRWS                  $450-$500/ML                $450-$500/ML
Temporary trade     $165-175/ML                  $170-$200/ML

The generally dry conditions continued throughout most of June.

B.O.M. has announced there is a 50:50 chance of an El Niño commencing this spring which would likely see drought, warmer temperatures and a greater than usual bushfire risk occurring over much of Australia.


Service Area Map

rfcs vic ne region map

Local Government Areas

The RFCS VIC-NE Region includes the following Local Government Areas;

  • Alpine
  • Benalla
  • Campaspe
  • Greater Shepparton
  • Indigo
  • Mansfield
  • Mitchell
  • Moira
  • Murrindindi
  • Strathbogie
  • Towong
  • Wangaratta
  • Whittlesea
  • Wodonga

Call 1300 834 775 to find out what assistance we may be able to provide you, or make an appointment with one of our experienced Rural Financial Counsellors.

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Contact Us

Rural Financial Counselling Service Victoria - North East.

102 Hume Street

Wodonga VIC 3689

PHONE: 1300 834 775


FAX: (02) 6100 6123