The Kapiti Coast-based Buddle, 31, who has been remanded on bail until October for sentencing, was charged after a police investigation into complaints by her clients that they persuaded them to mortgage their properties and lend her the money.
The clients allege the money hasn't been returned but police laid no charges over their allegations.
Instead, the deception charges relate to Buddle staying in motels without paying.
Judge Bruce Davidson has ordered reparation and victim impact statements.
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