Why a Tough Year Doesn’t Mean You Can’t Negotiate a Better Deal
Hello!
It’s hard to believe it’s September already, this year is flying by! The days are getting a little longer and a touch warmer, and it’s always nice when the sun is up to greet us in the morning.
September also means the Yorke Peninsula Field Days are just around the corner! From 30th September – 2nd October, we will have a site at the event. If you’re heading along, make sure to stop by and say hello. We’ll have a few prizes up for grabs and would love the chance to meet you in person.
📍 You can find us indoors at 638 Cunliffe Road.
Out and About – What We’ve Been Up To This Month
This month we’ve stayed a little closer to home, catching up with clients, bank managers, and a few new faces.
On one visit, we spoke with a business that wasn’t happy with the way their bank was treating them. While our services weren’t the best solution for them yet, we were still able to give them some direction. That’s what our no-obligation catch-ups are all about, listening, understanding your business, and building a relationship. If we can help, we will. If your business isn’t looking for our exact service right now, we won’t leave you stranded, we’ll always point you towards the right path. We got into this business to support farmers and help them grow, and that commitment extends beyond just being your broker.
New Team Member
Last month, our team grew by 1 very important addition Reggie the Cavalier! 🐾and he has taken to the office life quite easily. We apologise in advance for any barking or snoring in the background of our calls.
Why a Tough Year Doesn’t Mean You Can’t Negotiate a Better Deal
Despite some welcome rain in parts of the country, many are still feeling the lasting impacts of drought.
Right now, you might be looking at your numbers and feeling hesitant about approaching the bank. It’s easy to think that a tough season means you’ve lost your chance to negotiate a better deal. But that’s not necessarily the case.
In this month’s blog, I explain what banks really assess when reviewing your business, and why one difficult year shouldn’t stop you from exploring your options. Just as a single good year doesn’t erase your history, a bad one doesn’t define your future. If your business is a strong performer over time, lenders will take the bigger picture into account.
Click the link below to read more.
Click Here: Why a Tough Year Doesn’t Mean You Can’t Negotiate a Better Deal
What’s Happening with Interest Rates?
A welcome rate drop of 0.25% occurred in August reducing the cash rate to 3.60%
Commonwealth Bank (CBA)
Anticipates 25 basis point cuts in November, taking the cash rate to 3.35% by the end of the year. Another rate cut may be possible in 2026.
Westpac
Expects 25 basis point cuts in November, taking the cash rate to 3.35% by the end of the year. They have also forecast two additional 0.25% rate falls in Feb and May 2026.
National Australia Bank (NAB)
Predicts a 25 basis point cuts in November, taking the cash rate to 3.35% by the end of the year. They have also forecast another cut in Feb 2026.
ANZ
Predicts a 25 basis point cut in November taking the cash rate to 3.35% by late this year.
“In the middle of every difficulty lies opportunity” – Albert Einstein
Have a great day!!
Deb & Laura
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Latest News
Hart Field Day – Tuesday, 16 September 2025, from 9:00 am
The event features 20 rolling half‑hour sessions across the trial fields.
Topics include:
- Wheat and barley varieties
- Pre‑emergent herbicides
- Legume and oilseed herbicide tolerance
- Crop rotation strategies
- Soil fertility and water retention solutions
- Broadleaf weed control in pulses
- Nitrogen banking and efficiency fertilisers
- Advances in durum genetics for crown rot resistance
- Wheat head traits aimed at boosting yields
AgTech Demonstrations
Hands‑on technology displays include precision and autonomous weed‑control machinery from SwarmFarm, FLUX Robotics, and AgTech Services, offering an up‑close look at cutting‑edge farm tech.
Agri Report Snapshot – July 2025
Westpac have released an Agri Reports Snapshot. Key points from the report are:
Weather: QLD & WA outlook good, but SA/Vic/NSW need follow-up rain. BOM sees above-average rainfall chances in east/southeast.
Farm growth is strong now, weaker ahead: GVA up 8% in 2025, but slowing to 0.5% in 2026 before modest recovery.
Prices: Beef & lamb at record highs; wheat & canola output down but prices steady; dairy exports strong but margins tight.
Exports: Rural exports up ~6.6% YoY, with beef leading despite global trade tensions.
Costs: Diesel, feed, and fertiliser remain elevated, squeezing farm margins.
GRDC Grains Research Update, online – Legacy effects of vetch, plus a hay market update
3rd September 2025
Colin Peace (Jumbuk Ag) – Hay market specifications and current demand
Colin will present an overview of current hay market dynamics, highlighting how demand and supply shift through summer and into autumn.
Angus Butterfield (BCG) – Legacy effect of different vetch end-uses
Angus will present findings from the GRDC NGN vetch agronomy for the lower Vic Mallee, highlighting how different vetch management strategies such as timing of termination and variety selection impact nitrogen levels, moisture retention and hay quality.
Dates for 2025: Tuesday, 30 September to Thursday, 2 October
Opening hours: Each day from 9:00 am to 5:00 pm.
Location: Paskeville
Australia’s longest-running and one of its largest agricultural showcases returns this spring. Over three days, the event hosts 600+ exhibitors, hands-on farm machinery displays, working sheep dog trials, fashion parades, shearing demos, keynote talks, and family fun. With tens of thousands in attendance, it’s a vibrant celebration of both farming innovation and community spirit. We will be there all 3 days come say hello!