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.
253 articles written by Vidhu Bajaj
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
How does a conservative super fund work?
Unlike other super funds, conservative super funds typically offer smaller returns but are more likely to maintain the member’s investment.
Vidhu Bajaj -
20 Dec, 2022 -
4 min read
Can you borrow money against your superannuation?
While you are not allowed to access your super before you retire or meet another condition of release, it’s possible to borrow money against your SMSF in some situations.
Vidhu Bajaj -
20 Dec, 2022 -
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
What are the additional charges you need to pay when buying a car?
If you're planning to buy a new car, ensure you leave some extra room in your budget to pay for the hidden costs you may not be aware of.
Vidhu Bajaj -
20 Dec, 2022 -
8 min read
When should I get a survey done on my property?
While you don’t legally need to undertake a property survey, you can do so to learn about the home you are about to buy and prepare for any eventualities.
Vidhu Bajaj -
19 Dec, 2022 -
3 min read