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                                                                    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 Conduit Receivables, Inc. (the "Registrant") relating to
the Advanta Revolving Home Equity Trust 1999-B and in the Prospectus Supplement
of the Registrant (the "Prospectus Supplement") via the Form 8-K of the
Registrant dated September 27, 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
September 27, 1999