The Smart Home: Room By Room | Smart Home Series

Katherine Martin • March 10, 2016

Last week on the blog we talked about smart technology , this week we go through the home. Next week we finish the series with a question and answer period that will help you decide which smart technology is right for you!

Varied, intricate but certainly user friendly, “smart home” technology is currently available for purchase, installation and utilization.

These in-home innovations can be very simple and straightforward. Samsung currently sells a “smart home starter kit” which will do wonders at transforming your home into a “smart” hub, at an affordable price. Or they can be a tad more complex, for this, we look to the pacific northwest and to the home of Bill Gates. Here we see the apex of this technology, nicknamed Xanadu 2.0, this 66,000 square foot mansion is known for it’s design and technology, it cost $63M to build, now that is quite the smart home budget.

The House Bill Gates Built

“Upon entering everyone in the home is pinned with an electronic tracking chip. As you move through the rooms, lights come on ahead of you and fade behind you. Your favourite songs will follow you throughout the house, as will whatever you’re watching on television. You can entertain yourself by looking at Gates’ extensive electronic collection of still images, all available on demand. The chip keeps track of all that you do and makes adjustments as it learns your preferences. When two different chips enter the same room, the system tries to compromise on something that both people will like.” Reference: Smart Home Software and Technology.

Now obviously, this is in extreme example (perhaps the most extreme example that there is, currently); but what isn’t extreme is the idea that, whether you’re a billionaire fifty times over or you’re paying into a twenty-five year mortgage, this technology (on some level) is for you; that it’s here to help you in your daily life.

So let’s walk through of a reasonably equipped smart home, just to give you a taste of that which is out there, for your (the consumer’s) buying pleasure.

The Garage

From the outside of the home, looking in, it’s all about letting the homeowners inside, and keeping unwanted visitors, outside. Garage doors can be programmed to open automatically when smartphones (programmed into the system) draw near. Additionally, this technology can be applied to front and rear house doors. This means that, if the house “knows” you, you gain access. If the house doesn’t “know” you, you’re out of luck.

The Laundry Room

Moving from the garage to the laundry room, we see the advent of “smart” washers and dryers. These machines, when connected, allow the user to track the amount of energy being used at any moment. Many current models can also be programmed to send you a text message when your clothes are ready to be switched over or folded.

The Kitchen

In the kitchen, it’s all about the smart appliances. Here are just a few examples:fridge-1
The Fridge:  A few short years ago, it would have seemed ridiculous to suggest that “smart” fridges would be available to purchase; fridges that could do everything from suggest meals (based on the regular contents of your fridge), to warn you of impending expiration dates. But this is 2016, and what was once far fetched is now reality.

The Countertop Oven:  Companies like Breville and June have developed “smart” oven technology; ovens that can determine the weight and “girth” of that which is being baked or broiled and adjust heating coverage appropriately.

Accessories:  Ever want to turn on your coffee maker but don’t want to get up to do it? Well, turn it on from your phone! Ever need a charging station but can’t find that cursed iphone charger? Simply lay your phone down on your countertop, which also happens to double as a wireless charging station. The world is truly your playground when it comes to these “smart” kitchen upgrades.

The Bedroom

Finally, as you head upstairs after a long day, there are certain features of the “smart house” that make this transition from day to night as simple as crawling under the covers. Voice or tablet activated blinds can be moved up or down, and the thermostat can be set remotely for each room in the house, both for maximum energy savings and for the answer to those cold morning floors.

Obviously these are just a few of the smart upgrades available to you. But right now, it’s possible to park your smart car in your smart garage, then sit down after a long day at work, turn on your smart TV while your kid watches Netflix on your smart phone, all while your smart washer is getting ready to text you to change the laundry over while your smart oven cooks a roast. Step aside Bill Gates.

When you are ready, smart is ready for you.

Katherine Martin


Origin Mortgages

Phone: 1-604-454-0843
Email: 
kmartin@planmymortgage.ca
Fax: 1-604-454-0842


RECENT POSTS

By Katherine Martin December 3, 2025
Thinking About Selling Your Home? Start With These 3 Key Questions Selling your home is a major move—emotionally, financially, and logistically. Whether you're upsizing, downsizing, relocating, or just ready for a change, there are a few essential questions you should have answers to before you list that "For Sale" sign. 1. How Will I Get My Home Sale-Ready? Before your property hits the market, you’ll want to make sure it puts its best foot forward. That starts with understanding its current market value—and ends with a plan to maximize its appeal. A real estate professional can walk you through what similar homes in your area have sold for and help tailor a prep plan that aligns with current market conditions. Here are some things you might want to consider: Decluttering and removing personal items Minor touch-ups or repairs Fresh paint inside (and maybe outside too) Updated lighting or fixtures Professional staging Landscaping or exterior cleanup High-quality photos and possibly a virtual tour These aren’t must-dos, but smart investments here can often translate to a higher sale price and faster sale. 2. What Will It Actually Cost to Sell? It’s easy to look at the selling price and subtract your mortgage balance—but the real math is more nuanced. Here's a breakdown of the typical costs involved in selling a home: Real estate agent commissions (plus GST/HST) Legal fees Mortgage discharge fees (and possibly a penalty) Utility and property tax adjustments Moving expenses and/or storage costs That mortgage penalty can be especially tricky—it can sometimes be thousands of dollars, depending on your lender and how much time is left in your term. Not sure what it might cost you? I can help you estimate it. 3. What’s My Plan After the Sale? Knowing your next step is just as important as selling your current home. If you're buying again, don’t assume you’ll automatically qualify for a new mortgage just because you’ve had one before. Lending rules change, and so might your financial situation. Before you sell, talk to a mortgage professional to find out what you’re pre-approved for and what options are available. If you're planning to rent or relocate temporarily, think about timelines, storage, and transition costs. Clarity and preparation go a long way. The best way to reduce stress and make confident decisions is to work with professionals you trust—and ask all the questions you need. If you’re thinking about selling and want help mapping out your next steps, I’d be happy to chat anytime. Let’s make a smart plan, together.
By Katherine Martin November 26, 2025
Can You Get a Mortgage If You Have Collections on Your Credit Report? Short answer? Not easily. Long answer? It depends—and it’s more common (and fixable) than you might think. When it comes to applying for a mortgage, your credit report tells lenders a story. Collections—debts that have been passed to a collection agency because they weren’t paid on time—are big red flags in that story. Regardless of how or why they got there, open collections are going to hurt your chances of getting approved. Let’s break this down. What Exactly Is a Collection? A collection appears on your credit report when a bill goes unpaid for long enough that the lender decides to stop chasing you—and hires a collection agency to do it instead. It doesn’t matter whether it was an unpaid phone bill, a forgotten credit card, or a disputed fine: to a lender, it signals risk. And lenders don’t like risk. Why It Matters to Mortgage Lenders? Lenders use your credit report to gauge how trustworthy you are with borrowed money. If they see you haven’t paid a past debt, especially recently, it suggests you might do the same with a new mortgage—and that’s enough to get your application denied. Even small collections can cause problems. A $32 unpaid utility bill might seem insignificant to you, but to a lender, it’s a red flag waving loudly. But What If I Didn’t Know About the Collection? It happens all the time. You move provinces and miss a final utility charge. Your cell provider sends a bill to an old address. Or maybe the collection is showing in error—credit reports aren’t perfect, and mistakes do happen. Regardless of the reason, the responsibility to resolve it still falls on you. Even if it’s an honest oversight or an error, lenders will expect you to clear it up or prove it’s been paid. And What If I Chose Not to Pay It? Some people intentionally leave certain collections unpaid—maybe they disagree with a charge, or feel a fine is unfair. Here are a few common “moral stand” collections: Disputed phone bills COVID-related fines Traffic tickets Unpaid spousal or child support While you might feel justified, lenders don’t take sides. They’re not interested in why a collection exists—only that it hasn’t been dealt with. And if it’s still active, that could be enough to derail your mortgage application. How Can You Find Out What’s On Your Report? Easy. You can check it yourself through services like Equifax or TransUnion, or you can work with a mortgage advisor to go through a full pre-approval. A pre-approval will quickly uncover any credit issues, including collections—giving you a chance to fix them before you apply for a mortgage. What To Do If You Have Collections Verify: Make sure the collection is accurate. Pay or Dispute: Settle the debt or begin a dispute process if it’s an error. Get Proof: Even if your credit report hasn’t updated yet, documentation showing the debt is paid can be enough for some lenders. Work With a Pro: A mortgage advisor can help you build a strategy and connect you with lenders who offer flexible solutions. Collections are common, but they can absolutely block your path to mortgage financing. Whether you knew about them or not, the best approach is to take action early. If you’d like to find out where you stand—or need help navigating your credit report—I’d be happy to help. Let’s make sure your next mortgage application has the best possible chance of approval.