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.


High water prices and hay scarcity increased cost pressures for dairy farmers. Silage reserves have been accessed and many herds are on maintenance rations.
There have been herd dispersals and large numbers of cows are being sold as choppers, albeit at very low prices.
Reduced cow numbers and lower production through the January heat wave period has limited milk supply to processors. A number of milk companies slightly increased milk prices and incentives which is generally interpreted as a response to the reduction in supply.


Large quantities of failed canola and cereal crops were baled for hay and silage in the north east. Operations included summer fallow spraying to conserve soil moisture.

Goulburn Valley – On-farm hay prices
Lucerne     $400-$500/t
Cereal       $300-$360/t
Vetch        $380-420/t
Canola      $220-$320/t

Source: Farmtender

Rainfall dominates discussions around plans for sowing winter crops.


Wool remains in short supply putting upward pressure on prices.
High mutton numbers were presented for sale as growers off-loaded empty ewes, poor conception rates attributable to the drought. Lower market prices resulted with the influx of stock.


Local sales saw declining prices in January as cattle were off-loaded due to hot and dry conditions. There was a slight improvement at the end of January when feedlotters and trade buyers re-entered the market after Christmas shut downs. Quality was mixed with increasing numbers of unfinished young cattle becoming the norm.
Cattle prices remained steady during February despite agents indicating there was an increase in cattle numbers offered for sale owing to prevailing weather conditions and feed prices.


January’s excessive heat caused large amounts of sunburn despite use of preventative measures. The high temperatures favoured some pests including mites, mealybug and codling moth. High water price has increased operational costs for growers relying on the temporary water market.


January recorded the highest temperatures on record. While February was hot, temperature was within normal ranges and a welcome relief from January. Rainfall was exceptionally low throughout January and February.
There is growing concern around the lack of rain and the forecast dry winter. Rainfall is desperately needed in March.


Water prices reached over $500/ML in January and dropped slightly to $480/ML in February.

February 2019

Water System                 High Reliability Water Share                 
Murray                                             100%                                            
Broken                                              34%                                       
Goulburn                                           98%                                             
Campaspe                                        100%                                            
Loddon                                             98%                                             

Source: Goulburn Murray Water


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