Question 2 10 Marks Despite your misgivings, you decide to take the job offered to you by Govindah. You find that he is very ignorant of business matters. He wants to get finance from the bank and they tell him that he will have to provide a mortgage on his house. You need to advise him on:- (a) what the legal effect of a mortgage is; and (5 Marks) (b) how the Torrens system of real property operates.