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.
263 articles written by Vidhu Bajaj
What’s the difference between genuine savings and non-genuine savings?
It’s likely that you already know you need to provide a deposit to qualify for a home loan. That’s not all your lender will require however. Many lenders also want to see how you saved that deposit, especially if you wish to borrow more than 80 per cent of the property’s price. While it may seem unnecessary, your ability to save money can tell a lender a lot about your credibility as a borrower.
Vidhu Bajaj -
19 Nov, 2021 -
4 min read
What homeowners need to know about mortgage lenders going bankrupt
Ever paused and wondered what would happen if your mortgage company went bankrupt? Generally speaking, your home loan will most likely be transferred to a new bank that chooses to absorb the bankrupt mortgage lender.
Vidhu Bajaj -
04 Aug, 2021 -
5 min read
Do I need multiple mortgage pre-approvals?
Getting pre-approved for a mortgage can help narrow down your property search considerably, as you’ll have a firm budget in mind while you go house hunting. Additionally, being pre-approved for a mortgage puts you in a better position to negotiate a price at an auction.
Vidhu Bajaj -
30 Jul, 2021 -
4 min read