Holland Creek's lower section is located in northeast Victoria, approximately 25 to 35 kilometres out of Benalla in the direction of Mansfield. The creek is paddleable when the Wrightly Gauge reads above 1.0 metres, and water level has a significant effect on the character of the run — what grades as 2+ at lower flows becomes a solid grade 3+ at higher levels.

The standard put-in for the lower section is at the Ford's Road bridge, where paddlers encounter grade 2+ rapids almost immediately. From there the creek passes through farmland, and this stretch requires attention to snags — fallen trees and logs — as well as barbed wire strung across the river. The notable feature of this section is a series of larger drops, some reaching around 3 metres in height, interspersed with grade 2 water. These drops have clean lines and pool landings, and most can be previewed from the road on the drive up to the put-in. The standard take-out is at the Hume and Hovell Memorial.

Paddlers can extend the trip by continuing downstream to the bridge at Wrightly, adding roughly 10 kilometres of predominantly moving water and grade 2 through farmland, which typically takes around 1.5 hours depending on water level. Between the main drop-pool section and the next bridge downstream, there are numerous grade 2 and 2+ drops, but also significant amounts of ti-tree, log jams, and fences across the river. These obstacles are manageable at lower water but can become dangerous at higher levels, and the overall assessment of this extended section is that the quality of the drops may not justify the effort involved in navigating the hazards.

The primary safety considerations throughout the run are strainers in the form of logs and ti-tree, barbed wire fences crossing the river, and the rapid increase in difficulty and hazard severity at elevated water levels. Paddlers should be prepared for wood hazards throughout and exercise particular caution when flows are high.