1



                                                                    Exhibit 23.1

                          INDEPENDENT AUDITORS' CONSENT


The Board of Directors
Ambac Assurance Corporation

We consent to the incorporation by reference in the registration statement (No.
333-77927) of Advanta Mortgage Loan Trust 1999-2 (the "Registrant"), and the
Preliminary Prospectus Supplement of the Registrant (the "Preliminary Prospectus
Supplement"), via the Form 8-K of the Registrant dated May 21, 1999, of our
report dated January 27, 1999 on the consolidated financial statements of Ambac
Assurance Corporation and subsidiaries as of December 31, 1998 and 1997, and for
each of the years in the three-year period ended December 31, 1998, which report
appears in the Form 10-K of Ambac Financial Group, Inc. which was filed with the
Securities and Exchange Commission on March 30, 1999 and to the reference to our
firm under the heading "Experts" in the Preliminary Prospectus Supplement.

                                  /s/ KPMG LLP
New York, New York
May 24, 1999