A mortgage of $$188,000$ is to be repaid by making payments of $$923$ at the end of each month. If interest is $5\mathrm{.}04\%$ per annum compounded semi$-$annually, what is the term of the mortgage? State your answer in years and months $($from $0$ to $11$ months$).$

The term of the mortgage is $$ year$($s$)$ and $$ month$($s$).$