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.


RFCs continue to report dairy farming clients who are considering selling the farm, changing enterprises or mothballing operations. Others are selling temporary water to fund fodder. Milk production is at a 20 year low, driven by seasonal conditions, reduced herd size and high input costs (Ref: Rural Bank - Australian agriculture mid-year outlook 2019).
Even though milk prices are encouraging, the high input costs and large amounts of debt incurred last season are causing dairy farming clients to still consider exiting the industry. For a number of clients, this year is very much about containment of expenses.


Good rainfall and relatively warmer temperatures in the north east upper catchments has replenished farm dams and resulted in some good pasture growth for this time of year. Other areas in the region are somewhat mixed, with limited soil moisture depth.
Many crops are looking in very good condition for this time of year. Rainfall over the next couple of months and into spring will decide whether grain is harvested or crops are cut for hay.


RFCs continue to report the increasing numbers of sheep grazing irrigated pasture. The price for sheep is very buoyant at the moment, with lamb trading in the range from 800 to 900c/kg cwt and mutton 550 to 600c/kg cwt.
Trade uncertainty for wool means that prices are still declining.


Cattle prices remain positive, with chopper prices of $1,000 giving dairy farmers the ability to restock with in calf animals at close to 1 to 1, a big improvement from last year. Some farmers are still contending with high fodder prices but there are some areas with good pasture. RFS have observed cattle on good pasture, which is encouraging. The availability and price of irrigation water price is likely to remain a challenge this season.


Rural Bank is forecasting growth in exports, underpinned by demand in China.


Goulburn-Murray Water reports: “The catchments are responding well to the rainfall we have had, however more rain is required to maintain flows into the storages and help increase seasonal determinations. The latest Bureau of Meteorology seasonal outlook indicates below-average rainfall across all of northern Victoria is more likely during the August to October period.”




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