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

/superannuation-guarantee-charge
Superannuation

What is the super guarantee charge?

The ATO levies the super guarantee charge (SGC) on employers if they fail to pay an employee’s super guarantee on time and to the correct fund.

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Home Loans

Can you use the equity in your home to set up a business?

You can take out a home equity loan or refinance your mortgage to unlock the equity in your home to set up a home office or a small business.

/renting-out-a-property-with-a-mortgage
Home Loans

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.

/why-essential-carry-property-title-search-purchasing-property
Home Loans

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.

/getting-home-loan-sole-trader-possible
Home Loans

Getting a home loan as a sole trader: Is it possible?

Many traditional lenders may not be willing to offer a home loan to sole traders. However, there are other lenders who can help borrowers with the right track record.

/smsf-compliance
Superannuation

What you need to know about SMSF compliance

If you have a self-managed super fund (SMSF), you must comply with certain rules. Find out what you need to do to manage your SMSF compliance requirements.

/afterpay-vs-klarna
Buy Now Pay Later

Afterpay vs Klarna: Which is a better service? | RateCity

Klarna and Afterpay are popular buy now, pay later (BNPL) services, but they offer different benefits. Learn more in this detailed comparison.

/biofuel-alternative-to-conventional-transport-fuels
Car Loans

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.

/salary-sacrifice-super-fund
Superannuation

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.

/afterpay-vs-latitudepay
Buy Now Pay Later

Afterpay vs LatitudePay: what is the difference between the two BNPL services?

Both Afterpay and LatitudePay are popular buy now, pay later (BNPL) services, but they have different terms and conditions you should learn about before choosing either.