ACCOUNTANT'S CONSENT



The Board of Directors
Advanced Financial, Inc.

We consent to the use in this Registration Statement of Advanced Financial, Inc.
on Form S-1,  of our report  dated June 30, 1996 on the  consolidated  financial
statements of Advanced Financial, Inc. and subsidiaries as of March 31, 1996 and
1995,  and for the years then ended,  and to the reference to our firm under the
heading "Experts" in the related prospectus.

Our report dated June 30, 1996,  contains an  explanatory  paragraph that states
the Company has  incurred net losses of  $3,184,577  and  $3,963,497  during the
years ended March 31, 1996 and 1995.  These losses,  along with other matters as
set forth in note 2, raise  substantial doubt about its ability to continue as a
going concern.  Management's plans in regard to these matters are also described
in note 2. The consolidated  financial statements do not include any adjustments
that might result from the outcome of this uncertainty.



                                             /s/KPMG Peat Marwick LLP
                                             ----------------------------------



Kansas City, Missouri
August 20, 1996