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.
192 articles written by Vidhu Bajaj

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

Manual vs automatic car: which is better?
Find out the difference between a manual and an automatic car and which is better to drive.

Vidhu Bajaj -
23 Jan, 2023 -
6 min read

Buy your first home with a low deposit and no LMI with these government-backed schemes
The Home Guarantee Scheme (HGS) is an initiative by the Australian government to help eligible first home buyers purchase a home sooner

Vidhu Bajaj -
23 Jan, 2023 -
8 min read

When can I apply for withdrawing superannuation benefits?
You can typically apply to withdraw super benefits only once you reach your preservation age and meet a condition of release, but there may be restrictions involved.

Vidhu Bajaj -
18 Jan, 2023 -
5 min read

What is the super guarantee charge?
The ATO levies the super guarantee charge (SGC) on employers if they fail to pay an employee’s super guarantee on time and to the correct fund.

Vidhu Bajaj -
18 Jan, 2023 -
4 min read