Broker Codex

Piyush Singh

LoanLens Financial Pty Ltd

I help everyday borrowers, first home buyers and investors find the right loan from a wide panel of lenders - backed by 15+ years in banking and fintech credit teams. Self-employed, equity comp or multiple income streams? I make complex income work when others can't. Australia-wide, no jargon.

I spent over 15+ years in banking and fintech before starting LoanLens - roles across AMP Bank, NAB, Humm Group, Angle Auto Finance, Credlo and Visa, covering consumer lending, credit assessment, digital loan origination and product management. Most of that time was spent on the inside of credit decisions: building the products, writing the policy, assessing the applications. That gives me a different vantage point to most brokers, and it shapes how I approach every deal, whether it's straightforward or not. I work with the full range of borrowers - first home buyers, upgraders, refinancers, and investors adding to a portfolio. Wherever you're at, my job is the same: understand your situation properly, compare it against a genuinely wide panel of lenders, and get you into the right loan without the runaround. Where I add extra value is with income that doesn't fit neatly on a payslip. Self-employed professionals, tech and startup employees with RSUs, options or bonus-heavy pay, and investors with more complex portfolios often get knocked back or pushed into a smaller loan by brokers who don't know how to present that income properly. I do, because I've spent years on the other side of the desk assessing exactly this kind of application. My approach is fairly direct: get the full picture upfront, be honest about what's realistic given your situation and the current lending environment, and structure the application properly rather than firing it off and hoping. I hold an Executive MBA from AGSM (UNSW) and a Certificate IV in Finance and Mortgage Broking, and I operate as a Credit Representative through Purple Circle Financial Services as the aggregator. I'm based in Melbourne but work with clients Australia-wide, mostly by phone and video given how many of my clients are busy professionals. Whether your borrowing situation is simple or has a few moving parts, I'll give it the same level of attention - and if your income is more complicated than most, that's where I particularly come into my own.
  • Self-Employed
  • First Home Buyers
  • Single parents
  • Medical Professionals
  • Asset Finance
  • Investment Property
  • Refinancing
  • Bridging Finance
  • Construction Loans
  • Business Finance
  • Low Doc Loans
  • Commercial Property

Manor Lakes, VIC

Qualifications

  • Certificate IV in Finance and Mortgage Broking
  • Diploma of Finance and Mortgage Broking Management - Pursuing

Memberships

  • MFAA - 969207
  • AFCA - 123692
  • ASIC CRN - 580112

Credit Representative: 580112

Verified by Codex

How do you get me the best mortgage/loans?
I start by understanding your full financial picture and what you're actually trying to achieve, whether that's the lowest rate, maximum borrowing power, flexibility to make extra repayments, or a structure that suits a self-employed or complex income. From there, I compare products across a panel of lenders rather than pushing you toward one bank, looking at interest rate, fees, features and how each lender's servicing policy actually treats your specific income and circumstances. A low headline rate isn't much use if the lender's policy means you don't qualify or the loan structure doesn't fit how you actually plan to use it. I also look at loan structure itself, offset accounts, fixed versus variable splits, redraw facilities, because the right structure can matter as much as the rate over the life of the loan. Once we've landed on a shortlist, I'll walk you through the trade-offs in plain terms so you're making an informed decision, not just taking my word for it. From there, I handle the application and act as your advocate with the lender, chasing updates, answering credit assessor queries, and pushing back where something doesn't add up. My obligation under the law is to recommend what's in your best interests, not what pays me the most, and I'll always be upfront if a particular product has limitations you should know about before committing.
What fees and costs should I expect working with you?
In most cases, mortgage brokers are paid a commission by the lender once your loan settles, which means there's typically no direct fee for you to use a broker for a standard residential home loan. That said, this isn't universal, and some situations, complex commercial lending, for example, may involve a fee, which I'd always disclose and agree with you before any work begins. Separately from broker remuneration, there are costs in the home loan process itself that sit with you as the borrower: lender application or valuation fees, Lenders Mortgage Insurance if your deposit is under 20%, conveyancing and legal costs, and government charges like stamp duty. I'll walk you through which of these apply to your situation early on, so there are no surprises later. I'm also required to provide you with a credit proposal disclosure document that sets out how I'm paid and what my recommendation is based on, this is a standard compliance requirement, not optional paperwork, and it's there so you can see exactly how the arrangement works. If a lender pays a higher commission on one product over another, that never factors into my recommendation, my obligation is to act in your best interests, and I'm happy to explain how that obligation works if you'd like more detail.
How do you determine what loan product is right for me?
It starts with a proper fact-find, your income, expenses, existing debts, credit history, deposit, and what you're trying to achieve, both right now and over the next few years. Someone buying their first home with a tight deposit has different priorities to an investor building a portfolio or a self-employed borrower with variable income, so the assessment looks different in each case. I'll also ask about your risk tolerance, some clients want the certainty of a fixed rate, others prefer the flexibility of variable with an offset account, and plenty land somewhere in between with a split loan. Your short-term plans matter too: if you're likely to sell or refinance in a couple of years, break costs and portability become relevant in a way they wouldn't for someone settling in long-term. I also factor in how a lender's servicing calculator treats your specific income type, since this can rule certain lenders in or out before we even get to comparing rates. Once I've got a clear picture, I'll narrow things down to a shortlist of genuinely suitable options rather than overwhelming you with every product on the panel, and explain the reasoning so you understand why each one made the cut. This isn't a one-size-fits-all exercise, the right product for your neighbour might be the wrong one for you, even with similar incomes, simply because your goals or timeline differ.
How long does the process take and what will you handle for me?
Timelines vary by lender and how complex your situation is, but as a general guide, pre-approval typically takes anywhere from a few days to around two weeks, and full approval after you've found a property and submitted a formal application can take anywhere from one to several weeks depending on the lender's current turnaround times and how straightforward your file is. From there, settlement is usually scheduled 30 to 90 days after contract exchange, largely driven by the conveyancing timeline rather than the loan itself. On my side, I handle the lender comparison, preparing and lodging your application, gathering and checking supporting documents before submission so nothing gets kicked back unnecessarily, liaising with the lender's credit assessors, and keeping you updated at each milestone, pre-approval, formal approval, unconditional approval, and settlement. What I need from you is timely provision of documents like payslips, bank statements and identification, prompt responses if a lender comes back with questions, and keeping me informed of any changes to your situation during the process. The process moves faster and more smoothly when documentation is complete upfront, so I'll give you a clear checklist early on rather than requesting things piecemeal. I'll flag realistic timeframes for your specific scenario once I understand the lender and loan type involved, since a straightforward PAYG application and a complex self-employed file don't move at the same pace.
What happens if my situation changes or my application is challenged?
Circumstances shift during a loan process sometimes, a change in employment, a new debt, updated bank statement activity, or a lender coming back with a query or a request for more information. If that happens, I'll work through it with you as soon as I'm aware, explain what the lender needs and why, and help you pull together whatever's required to keep things moving. If a lender's assessment doesn't come back the way we expected, say your borrowing capacity comes in lower than anticipated, or a particular income type isn't treated as favourably as hoped, I'll go back to the underwriter where there's a reasonable case to make, provide additional context or documentation, and try to resolve it directly. If that doesn't work, I'll talk you through alternative options, which might mean a different lender with a policy better suited to your situation, adjusting the loan amount or structure, or in some cases pausing the process until your position strengthens. Throughout, I'll keep you informed rather than leaving you guessing, if something's likely to cause delay or affect the outcome, you'll hear about it from me directly rather than finding out after the fact. The goal is always to find a workable path forward where one exists, and to be straightforward with you if it doesn't, rather than letting an application drag on without a clear picture of where things stand.
Buying my first home felt completely overwhelming and I honestly didn't know where to begin. A friend suggested I speak to Piyush at LoanLens before I even started looking at properties and that turned out to be the right call. He spent ages with me explaining how borrowing capacity actually works, what the banks care about, and what i needed to get sorted before applying. It didn't feel like a sales conversation at any point. He just genuinely wanted me to understand what I was walking into. When it came time to apply he managed everything. Conditional approval came through quickly and I was kept in the loop the whole time. Settlement day came and went without a single drama. If you're buying your first home and feeling lost, just call LoanLens. Best decision I made in the whole process.