Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.
186 articles written by Vidhu Bajaj

What are genuine savings, and how to use rent as genuine savings for a home loan?
id you know regularly setting aside some money as savings could make it easier to qualify for a home loan?

Vidhu Bajaj -
09 Feb, 2023 -
5 min read

Real Estate Investment Trusts (REITs): A jargon-free guide
Learn about REITs, equity and mortgage REITs in this jargon free guide made by RateCity

Vidhu Bajaj -
09 Feb, 2023 -
6 min read

Which are the best hybrid cars and SUVs in Australia?
Find out about the best hybrid cars in Australia and how to pick one that’s right for you.

Vidhu Bajaj -
09 Feb, 2023 -
6 min read

How the Amex Cashback Credit Card works, its benefits and fees
American Express commissioned a survey to help them understand the younger financial consumer, which led them to offer the AMEX Cashback Credit Card.

Vidhu Bajaj -
07 Feb, 2023 -
5 min read

What to do if you detect fraud on your credit card?
Many Australians fall prey to credit card fraud. Here is what you can do to protect yourself and what you should do if you are affected by fraud.

Vidhu Bajaj -
06 Feb, 2023 -
6 min read

How does a home loan partnership work?
Applying for a home loan in partnership with someone may help you increase your borrowing capacity, but both of you share the financial responsibility, which may make it complicated.

Vidhu Bajaj -
03 Feb, 2023 -
6 min read

Can you refinance a reverse mortgage to a conventional loan?
You likely can’t refinance a reverse mortgage to a conventional loan, but you could refinance your reverse mortgage to get more cash or save on interest.

Vidhu Bajaj -
24 Jan, 2023 -
4 min read

Home Equity Loan: Advantages and Disadvantages
A home equity loan has its disadvantages and advantages. If you’re looking to borrow against your house, check the pros and cons of taking on a home equity loan before you go ahead.

Vidhu Bajaj -
24 Jan, 2023 -
4 min read

What is the First Home Owner Grant?
A state-wise guide to the First Home Owner Grant and stamp duty concessions available to first home buyers in Australia.

Vidhu Bajaj -
24 Jan, 2023 -
10 min read

What happens if you make multiple car loan applications?
Finding the right car loan means looking at different lenders; however, your credit score is impacted if you file multiple applications at once.

Vidhu Bajaj -
23 Jan, 2023 -
5 min read