create contact record but no automatic relationship

[marktaylor5151]

I have a custom module - loans. in the loans modules i have a relate field to the contact module (as a result of 1-many relationship with loans module), which i use to keep track of the broker who introduced the loan or the primary contact of the loan.

Now within loans i have a subpanel called Applicant. In Applicants i am trying to create a NEW contact record from the applicants details entered, when the user ticks a box to convert to applicant details into a contact record. However i DO NOT want the new contact record to be linked to the loan.

Contact has a 1 to many relationship with Loans
Loans has a many to many relationship with Applicant
Applicant doesn't link to contacts only to the loan

I have the follow code in a before_save logic hook in the Applicant module

         //get id...if not set then it is a new record so create an id here
        if(empty($bean->id)) {
            $bean->id = create_guid();
            $bean->new_with_id = true;
        } 
    
        //check if the primary contact is empty and if some basic lead contacts fields are completed.
        if ( ($bean->convert_to_contact_c == 1) && (strlen($bean->last_name) > 0)){

            /// Create Contact from the Lead Fields on the Short Term Loan
            $contactbean = new Contact();
            $contactbean->status_c = "Active";
            $contactbean->first_name = $bean->first_name;        
            $contactbean->last_name = $bean->last_name;
                        
            $contactbean->assigned_user_name = $bean->created_by_name;
            $contactbean->assigned_user_id = $bean->created_by;
        
            $contactbean->save();          

        } 
  

Once this logic hook runs and saves the applicant record, creates the new contact record as i want BUT IT is placing the newly created contact in the Contact relate field on the loan module, i do not want this as it is overwriting my existing value i have there say the broker.

Can any one assist with this?