Vidhu Bajaj
Personal Finance Writer
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 should you know about renting out a property with a mortgage?
You can rent out a newly purchased property, but consider applying for the mortgage as an investor so that you don’t lose out on tax benefits.
Vidhu Bajaj -
18 Jan, 2023 -
7 min read
Why is it essential to carry out a property title search before purchasing a property?
A property title is a legal document that contains important information about the property you are buying. By checking the property title records, you can find out who owns the property, whether there’s any mortgage secured by it, and more.
Vidhu Bajaj -
17 Jan, 2023 -
5 min read
What is a biofuel, and is it a good alternative to conventional transport fuels?
Learn about biofuels like E10 and biodiesel and how they can help you contribute to a cleaner environment.
Vidhu Bajaj -
10 Jan, 2023 -
6 min read
How much can I salary sacrifice into my super fund?
When you salary-sacrifice into your super fund you make a concessional contribution taxed at a lower rate, unless you exceed the cap available to you.
Vidhu Bajaj -
10 Jan, 2023 -
3 min read
What is a home equity conversion mortgage?
A home equity conversion mortgage is a way for homeowners above 60 to borrow money against the equity on their property - usually called reverse mortgages or home reversions.
Vidhu Bajaj -
09 Jan, 2023 -
4 min read
Returning to work after a superannuation payout
Can you return to work after retiring and accessing your superannuation savings? Yes, this is possible, but you need to know the ATO rules.
Vidhu Bajaj -
09 Jan, 2023 -
4 min read
Does refinancing a loan hurt your credit score?
Refinancing your loan can be an effective way to consolidate your debt and reduce your interest costs. But does it affect your credit score?
Vidhu Bajaj -
09 Jan, 2023 -
3 min read
What is the SIS Act, and how does it impact the management of super funds?
The trustees of a super fund must ensure that they comply with the SIS Act of 1993. Members can also be helped by understanding how the Act protects their interests.
Vidhu Bajaj -
09 Jan, 2023 -
4 min read
What you should know about superannuation for under 18-year-olds
Gotten your first job and wondering how or what superannuation means for under 18-year-olds? Get all the information you need to understand super.
Vidhu Bajaj -
20 Dec, 2022 -
5 min read
Can I take a loan from my superannuation fund?
You can’t access your super before retirement, but can you take out a loan you’ll pay back? There are select circumstances where you can get money from your super.
Vidhu Bajaj -
20 Dec, 2022 -
3 min read