EXHIBIT 23.1





                         CONSENT OF INDEPENDENT AUDITORS

The Board of Directors
Financial Guaranty Insurance Company

We consent to the use of our report dated January 19, 1996 on the financial
statements of Financial Guaranty Insurance Company as of December 31, 1995 and
1994, and for each of the years in the three-year period ended December 31, 1995
included in the Form 8-K of Advanta Mortgage Loan Trust 1996-4, and to reference
to our firm under the heading "Experts" in the Prospectus Supplement.

Our report refers to changes, in 1993, in accounting methods for multiple-year
retrospectively rated reinsurance contracts and for the adoption of the
provisions of the Financial Accounting Standards Board's Statement of Financial
Accounting Standards No. 115, Accounting for Certain Investments in Debt and
Equity Securities.

                                                     /s/  KPMG Peat Marwick LLP

New York, New York
December 13, 1996