Investors will be looking for clues for interest rate cuts. A U.K. rate cut is expected in February, the European Central Bank is most likely to cut rates sometime at the end of the first quarter, start of the second quarter.

The commentary on next year's earnings will disappoint but, obviously, reflects the extra interest costs and higher depreciation going forward.

Even though the interest rate rise had been discounted, a half percentage point rise in local interest rates will mean that earnings and gross domestic product growth will have to be revised down so there is no commanding reason for people to commit themselves to the market in a large way.

The lender will take the commitment to pay interest to the developer into account, even if you don't have to pay that interest immediately. They might not allow you to have a loan that would cause you to stretch your income too far, as you will still have to pay the full amount on the property in the future.

For me this is not something that can be swept under the rug and forgotten in the interest of forced Sunday togetherness.

There's a definite increased interest in vernal pools, and people want to know if they have them on their property.