Braam Lowies

Research Interests

Ageing and older people Household finance and financial literacy Housing policy Real Estate and Valuation Services

Dr Braam Lowies

Senior Lecturer, Property

School of Accounting and Finance

College of Business and Law

Eligible to supervise Masters and PhD - email supervisor to discuss availability.

Available For Media Comment.

Dr Braam Lowies is a Senior Lecturer in Property at the University of South Australia. He holds a BCom (cum laude, 1994) and a BCom (Hons) in Banking (1995) from the University of Pretoria, South Africa. In 2007, he completed an MSc in Real Estate (cum laude) at the same institution, and in 2013 was awarded a PhD in Finance. In 2011, Dr Lowies qualified as a Chartered Surveyor and was admitted as a full professional member of the Royal Institution of Chartered Surveyors (MRICS).
Dr Lowies is an Associate of the Australian Property Institute (AAPI). He has previously served on the National Committee of the API’s Australian Property Research and Education Fund and currently serves on the RICS South Australian Member Engagement Group. He is a former Director of the UniSA Australian Housing and Urban Research Institute (AHURI) and currently serves as the Stream Director: Social Enterprise in the UniSA Centre for Markets, Values and Inclusion. He is also a member of the UniSA Business Negligible Risk Ethics Committee.
Dr Lowies commenced his academic career in 2000 as a lecturer in financial management following five years in the banking sector. He has also undertaken consultancy work for the New Zealand Government Property Management Centre of Expertise in Wellington. His contributions to research and engagement have been recognised through national and international academic scholarships, numerous peer-reviewed publications, conference presentations, and recent awards from both industry and UniSA for excellence in community and industry engagement.
Dr Lowies’ research focuses on behavioural issues in housing and finance, particularly financial capability among older adults in making housing, financial, and investment decisions. His broader research interests include intergenerational financial decision-making and emerging or disruptive property investment models.

AHURI funded a research project to model a filtering process for expanding affordable rental supply.

AHURI funded a research project to investigate incentivising small-scale investors to supply affordable private rental housing.

Date Position Institution name
2019 - ongoing Adjunct Academic University of Pretoria
2015 - ongoing Senior Lecturer Adelaide University

Date Type Title Institution Name Country Amount
2022 Award Recipient of the UniSA Business Public Intellectual of the Year Award University of South Australia Australia -
2022 Recognition Recipient of the Journal Property Management Emerald Literati Award for distinguished reviewer Emerald Group Publishing (United Kingdom) United Kingdom -
2019 Recognition Recipient of the Journal of Property Investment and Finance Emerald Literati Award - Most Commended Paper Emerald Group Publishing (United Kingdom) United Kingdom -

Language Competency
Afrikaans Can read, write, speak, understand spoken and peer review
English Can read, write, speak, understand spoken and peer review

Date Institution name Country Title
2010 - 2013 University of Pretoria South Africa PhD
2004 - 2007 University of Pretoria South Africa MSc

Year Citation
2025 Labrosciano, K., Dorrian, J., Lowies, B., Russell, R., & Lushington, K. (2025). Adult Hope Scale: validation in older adults. Australian Journal of Psychology, 77(1, article no. 2532077), 1-19.
DOI Scopus1 WoS1 Europe PMC1
2025 Ambaw, D. T., Banerjee, R., Lushington, K., & Lowies, B. (2025). Understanding the effect of financial behaviour on mental health: evidence From Australia. Stress and Health, 41(3, article no. e70050), 1-26.
DOI
2025 Pham, H., Ramiah, V., Le, H., Lowies, B., & Moosa, N. (2025). Effects of environmental regulations on risk and return: evidence from the Italian stock market. Journal Of Sustainable Finance and Investment, online, 1-30.
DOI
2024 Aplin, T., Lowies, B., & McGreal, S. (2024). The home environment: influences on the health of young-old and old-old adults in Australia. Ageing & Society, 44(6), 1369-1387.
DOI
2023 Arya, V., Banerjee, R., Lowies, B., Viljoen, C., & Lushington, K. (2023). The effect of psychological factors on financial behaviour among older Australians: Evidence from the early stages of COVID-19 pandemic. Plos One, 18(6 June), 17 pages.
DOI Scopus3 WoS4 Europe PMC3
2022 Cornell, V., Lowies, B., Lushington, K., & Helliar, C. (2022). What role do Australian health professionals play in helping people choose their home care package services?. Australian Journal of Primary Health, 28(5), 454-457.
DOI
2022 Helliar, C. V., Lowies, B., Suryawathy, I. G. A., Whait, R., & Lushington, K. (2022). The genre of banking financial product information: the characters, the setting, the plot and the story. The British Accounting Review, 54 j 5, article no. 101131(5), 1-24.
DOI
2022 Lowies, B., Squires, G., Rossini, P., & McGreal, S. (2022). Locked-out: generational inequalities of housing tenure and housing type. Property Management, 40(4), 510-526.
DOI
2022 Jhuremalani, A., Potter, R., Lushington, K., & Lowies, B. (2022). COVID‐19: financial well‐being of older Australians in times of crisis. Australasian Journal on Ageing, 41(3), 440-447.
DOI
2020 Vijoen, C., Lowies, B., Lushington, K., & McGreal, S. (2020). Female perspectives on housing quality and household characteristics, perceptions and challenges: evidence from Australia. Habitat International, 105(102276), 1-8.
DOI Scopus9 WoS6
2019 Whait, R. B., Lowies, B., Rossini, P., McGreal, S., & Dimovski, B. (2019). The reverse mortgage conundrum: perspectives of older households in Australia. Habitat International, 94(102073), 1-9.
DOI
2019 Lowies, B., Whait, R., & Lushington, K. (2019). Older people and home ownership: the intention to relocate. Property management, 38(1), 37-51.
DOI
2018 Lowies, B., Whait, R. B., Viljoen, C., & McGreal, S. (2018). Fractional ownership - an alternative residential property investment vehicle. Journal of property investment & finance, 36(6), 513-522.
DOI Scopus7 WoS3
2017 Lowies, B., Viljoen, C., & McGreal, S. (2017). Investor perspectives on property crowdfunding: evidence from Australia. Journal of financial management of property and construction, 22(3), 303-321.
DOI Scopus13 WoS7
2017 Ramiah, V., Lowies, B., Gabe, J., Xu, X., & Moosa, I. (2017). Detecting seasonal anomalies in the Pacific region REIT markets. Advances in investment analysis and portfolio management, 8, 213-238.
DOI
2016 Lowies, B., & Hall, J. H. (2016). Government influences, emotions, and the investment decisions of South African property fund managers. Journal of real estate literature, 24(2), 359-377.
DOI
2016 Lowies, G. A., Hall, J. H., & Cloete, C. E. (2016). Heuristic-driven bias in property investment decision-making in South Africa. Journal of property investment and finance, 34(1), 51-67.
DOI
2015 Lowies, G. A., Hall, J. H., & Cloete, C. E. (2015). The role of market fundamentals versus market sentiment in property investment decision-making in South Africa. Journal of real estate literature, 23(2), 297-314.
2014 Lowies, G. A., Hall, J. H., & Cloete, C. E. (2014). The evolution in property investment decision-making: the influence of behavioural approaches. Journal of Construction, 6(2), 14-39.
2014 Lowies, G. A., Hall, J. H., & Cloete, C. E. (2014). The evolution in property investment decision-making: the influence of behavioural aspects. Journal of construction, 6(2), 14-21.
2013 Lowies, B., Hall, J., & Cloete, C. (2013). The influence of frame dependence on investment decisions made by listed property fund managers in South Africa. Journal of Economics and Behavioral Studies, 5(11), 805-814.
2010 Hall, J. H., & Lowies, B. (2010). Financial management techniques used by residential property developers. Acta Structilia, 17(1), 62-78.
2009 Roux, F. L., & Lowies, B. (2009). Residential property development and financial ratio analysis: a South African perspective. Acta Structilia, 16(1), 1-31.

Year Citation
2024 Vij, A., Sharam, A., Baako, K., Ardeshiri, A., Faulkner, D., Washington, L., . . . Lowies, B. (2024). Incentivising small-scale investors to supply affordable private rental housing. Australia: AHURI.
DOI
2022 Tually, S., Coram, V., Faulkner, D., Barrie, H., Shaman, A., Lowies, B., . . . Cebulla, A. (2022). Alternative housing models for precariously housed older Australians. Australia: Australian Housing and Urban Research Institute.
DOI Scopus7
2022 Lowies, B., Kutin, J., Russell, R., Cornell, V., Altieri, B., Andrew, J., . . . Lushington, K. (2022). The psychological wellbeing and financial decision-making of older Australians in times of uncertainty. Australia: University of South Australia.
DOI
2019 Lowies, B., Helliar, C., Lushington, K., & Whait, R. (2019). The financial capability of older people: a report prepared for Financial Literacy Australia. Australia: University of South Australia Business School.
DOI
2019 Beer, A., Flanagan, K., Verdouw, J., Lowies, B., Hemphill, E., & Zappia, G. (2019). Understanding specialist disability accommodation funding. Australia: Australian Housing and Urban Research Institute.
DOI Scopus2
2018 Lowies, B., Whait, R., Viljoen, C., & McGreal, S. (2018). Fractional investment in residential property in Australia. South Australia: University of South Australia Business School.
DOI
2017 Lowies, B., Viljoen, C., & McGreal, S. (2017). Property crowdfunding: Australian investor perspectives 2016/17. Australia: University of South Australia.
DOI
2016 Andrew, J., Beer, A., Deng, X., Feo, M., Lacey, W., Lowies, B., . . . Zhu, Y. (2016). Ageing in South Australia 2016: insights from the aged care sector. Australia: University of South Australia.
DOI

  • Collaborative homeownership in Australia: benefits, barriers and opportunities, Australian Housing & Urban Research Institute, 01/08/2025 - 31/12/2026

  • Evaluation Study of a Financial Scam Awareness Workshop, Australia and New Zealand Banking Group, 17/07/2024 - 30/09/2026

  • Incentivising small-scale investors to supply affordable housing, Australian Housing & Urban Research Institute, 03/04/2023 - 30/06/2024

  • Preventing Pensioners from precarious housing; losing homeownership and community disconnection, Office for Ageing Well, 15/06/2023 - 14/06/2024

  • Review of Form 1 Vendor's Statement - Section 7 Land and Business (Sale and Conveyancing) Act 1994 (SA), SA Attorney General's Department, 01/04/2021 - 31/03/2022

  • AHURI - Housing models for precariously housed older Australians (20/PRO/32252), Australian Housing & Urban Research Institute, 01/04/2020 - 28/09/2021

  • The Financial Capability and Wellbeing of Older People, ANZ Bank, 01/12/2018 - 30/11/2019

  • Investigative Panel on Specialist Disability Accommodation (SDA) Funding, Australian Housing & Urban Research Institute, 30/03/2018 - 28/02/2019

  • Financial Literacy Australia - Financial capability and older people, Financial Literacy Australia Limited, 01/02/2018 - 30/11/2018

Courses I teach

  • BANK 3007 Property Investment (2025)
  • BUIL 2026 Building Evaluation for Property (2025)
  • BUSS 1062 Professional Development in Property (2025)
  • BANK 3007 Property Investment (2024)
  • BUIL 2026 Building Evaluation for Property (2024)
  • BUSS 1062 Professional Development in Property (2024)

Programs I'm associated with

  • DBPY - Bachelor of Business (Property)

Date Role Research Topic Program Degree Type Student Load Student Name
2025 Principal Supervisor - Doctor of Philosophy Doctorate Full Time Ms Sue-Ann Charlton
2025 Co-Supervisor - Doctor of Philosophy Doctorate Full Time Mr Nicholas David Carter

Date Role Board name Institution name Country
2025 - ongoing Board Member Centre for Markets, Values and Inclusion Adelaide University Australia

Date Role Committee Institution Country
2024 - ongoing Board Member Negligible Risk Ethics Committee University of South Australia Australia
2023 - ongoing Member RICS Member Engagement Group Royal Institution of Chartered Surveyors Australia

Date Role Membership Country
2015 - ongoing Member Australian Property Institute -
2010 - ongoing Member Royal Insitution of Chartered Surveyors -

Date Role Editorial Board Name Institution Country
2023 - ongoing Consulting Editor ACTA STRUCTILIA University of South Australia Australia
2020 - ongoing Consulting Editor Property Management University of South Australia Australia

Connect With Me

External Profiles

Other Links