A mortgage of $$20,454\mathrm{.}00$ is to be repaid by making payments of $$1671\mathrm{.}00$ at the end of every six months. If interest is $10\%$ compounded semi$-$annually, what is the term of the mortgage? State your answer in years and months $($from $0$ to $11$ months$).$

The term is year$($s$)$ and month$($s$).$