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.

206 articles written by Vidhu Bajaj

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Car Loans

How do you calculate stamp duty on a car?

Find out how much stamp duty do you need to pay on your car in different Australian states.

/how-does-superannuation-proceeds-trust-work
Superannuation

How does a superannuation proceeds trust work?

You can create a super proceeds trust through your will to ensure that your nominated beneficiaries receive your super death benefits without owing tax.

/multiple-car-loan-applications
Car Loans

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.

/manual-vs-automatic-car
Car Insurance

Manual vs automatic car: which is better?

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

/credit-card-application-rejected
Credit Cards

What should you do if your credit card application is rejected?

Was your credit card application rejected? Here are some reasons why that could have happened.

/cryptocurrency-tokens-vs-coins
Cryptocurrency

What are cryptocurrency tokens and how do they differ from crypto coins

Learn what a cryptocurrency token is and what the difference is between a coin and a token.

/buy-first-home-low-deposit-no-lmi-government-backed-schemes
Home Loans

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

/withdrawing-superannuation-benefits
Superannuation

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.

/approved-deposit-super-fund-account
Superannuation

When do I need an approved deposit super fund account?

An approved deposit super fund account can be used to deposit employment termination benefits after changing or losing your job and held for retirement.

/what-is-car-trade-in-value
Car Loans

What is a car's trade-in value, and is it better to trade in a car than to sell it privately?

You can trade in your existing car to reduce the purchase price of your new vehicle, but you should know how to determine your car’s value to get a good price.