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
Can I use a personal loan to refinance my credit card debt?
It may be possible to take out a personal loan to pay off your mounting credit card debt, but there are potential downsides to consider.
Vidhu Bajaj -
01 Sep, 2022 -
7 min read
What is the difference between a home equity loan and a reverse mortgage?
Accessing the equity in your home can be done via a home equity loan or reverse mortgage, but what are they? Understand what they are and how they work.
Vidhu Bajaj -
23 Aug, 2022 -
6 min read
What to know before buying a house with your parents or anybody else
Buying a house with your family members or others can make the purchase more affordable for everyone but there are some important things to consider.
Vidhu Bajaj -
10 Aug, 2022 -
5 min read
What is the difference between AWD and 4WD cars?
Find out what AWD and 4WD cars are, and why you may want to buy one.
Vidhu Bajaj -
27 Jul, 2022 -
8 min read
Which are the best station wagons in Australia?
Discover the best wagons in Australia based on ANCAP Safety ratings and comparisons by car review sites.
Vidhu Bajaj -
21 Jul, 2022 -
3 min read
What happens if I don’t activate a credit card?
Most credit cards cannot be used until they are activated, but leaving a card unactivated also carries some fraud risk. Check if you can cancel the card.
Vidhu Bajaj -
09 Jun, 2022 -
4 min read
Automate your savings with an automatic savings account
Do you notice your fortnightly car repayments, iphone bill or charity contributions when they are direct debited from your account? Based on the same concept as direct debiting, setting up an automatic savings plan can help you to save more and help you reach your financial goals sooner.
Vidhu Bajaj -
02 May, 2022 -
7 min read
What is mortgage restructuring?
Mortgage restructuring can help you keep up with your mortgage in difficult times by changing the terms of your mortgage. But if you only want a lower interest rate, you may consider refinancing your home loan.
Vidhu Bajaj -
22 Apr, 2022 -
5 min read
Can I transfer my Amex Membership Rewards points to Qantas?
If you enjoy travelling, you can choose to turn your American Express Membership Rewards points into Qantas points to pay for your next vacation. However, to transfer your Amex points to Qantas, you need to be an Ascent Premium member.
Vidhu Bajaj -
15 Dec, 2021 -
3 min read
Is there a minimum credit score for a car loan in Australia?
In promising news for prospective buyers with a shaky credit history, there’s no fixed minimum credit score for a car loan in Australia. However, as lenders refer to your credit score to determine the risk of providing a loan to you, a lower score might make them wary of lending to you.
Vidhu Bajaj -
14 Dec, 2021 -
4 min read