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.
333-75295) of Advanta Mortgage Loan Trust 1999-3 (the "Registrant") and the
Prospectus Supplement of the Registrant (the "Prospectus Supplement"), via the
Form 8-K of the Registrant dated August 18, 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 Prospectus Supplement.


                                  /s/ KPMG LLP
                                  ------------

New York, New York
August 18, 1999