The doctrine of consolidation of mortgages applies when:

Consolidation applies where the same mortgagee holds two or more mortgages made by the same mortgagor, so that the mortgagee may refuse redemption of one without the other. In India, section 61 of the Transfer of Property Act, 1882 instead lets the mortgagor redeem separately "in the absence of a contract to the contrary". Several creditors of one mortgagor, or joint mortgagors of one property, do not give rise to it.