The beneficiary of Mikail's superannuation and term life insurance is his older sister Darina (46) who also lives with him.  Darina is single, has no dependents, and relies on a disability support pension, her sole source of income. Mikail's sister has limited assets, these being represented in a small amount of furniture and her personal effects (valued at $37,000). Mikail has, therefore, also left Darina the townhouse in his will and wishes this to be transferred to her free of debt. 

This was the situation given. I am a bit confused though with the word 'free of debt'. When Mikail has left Darina the townhouse to be transferred free of debt, does this mean Darina does not need to pay any remaining mortgage? Or does Darina still need to pay the remaining mortgage, however, receive the townhouse after?