Beneficial Ownership Report · SCHEDULE 13D/A

Better Home & Finance Holding Co

BETRNASDAQEQUITYCurrent

Beneficial Ownership Report

Filed Oct 5, 2026Accepted Oct 5, 2026, 6:37 PM EDTFiling CIK 1835856Accession 0000921895-26-002736

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Structured filing — SCHEDULE 13D/A

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Amendment · This filing reports the amendment as submitted.

Subject company

Company: Better Home & Finance Holding Co
Company CIK: 0001835856
Street: 1 WORLD TRADE CENTER, 285 FULTON ST
Street (continued): FLR 80, SUITE A
City: NEW YORK
State / country code: NY
Postal code: 10007

Statement details

Amendment number: 6
Security class: Class A common stock, par value $0.0001 per share
Event date: 10/05/2026
Previously filed indication: false

Authorized notification person 1

Name: Vishal Garg
Phone: 415-523-8837
Street: 1 World Trade Center, 285 Fulton Street
Street (continued): 80th Floor, Suite A
City: New York
State / country code: NY
Postal code: 10007

Reporting person 1

Name: Garg Vishal
Reporting person CIK: 0001297602
No reporting person CIK indication: N
Citizenship / organization: X1
Reporting person type: IN
Source of funds code: OO
Legal proceedings indication: N
Aggregate amount owned: 2,029,224.00
Percent of class: 13.7
Sole voting power: 2,029,224.00
Shared voting power: 0.00
Sole dispositive power: 2,029,224.00
Shared dispositive power: 0.00
Aggregate excludes certain shares: N
Comments: Note to Row 7, 9 and 11: Includes (1) 118,260 shares of Class A Common Stock directly held by Mr. Garg; and (2) (a) 927,855 shares of Class A Common Stock directly held by Mr. Garg that may be obtained upon the conversion of 927,855 shares of Class B Common Stock, (b) 387,137 currently exercisable options to purchase shares of Class B Common Stock directly held by Mr. Garg; (3) 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein; and (4) 465,517 shares of Class A Common Stock that may be obtained upon the conversion of 465,517 shares of Class B Common Stock held by The 718 4Ever Trust I. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg's immediate family are the sole beneficiaries of the trust. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by the trust for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,256,037 shares of Class A Common Stock outstanding as of August 21, 2026, as disclosed in the Issuer's definitive consent revocation statement on Schedule 14A filed with the Securities and Exchange Commission (the "SEC") on August 28, 2026.

Reporting person 2

Name: 1/0 Real Estate, LLC
No reporting person CIK indication: Y
Citizenship / organization: DE
Reporting person type: OO
Source of funds code: OO
Legal proceedings indication: N
Aggregate amount owned: 130,455.00
Percent of class: 1.0
Sole voting power: 130,455.00
Shared voting power: 0.00
Sole dispositive power: 130,455.00
Shared dispositive power: 0.00
Aggregate excludes certain shares: N
Comments: Note to Row 7, 9 and 11: Includes 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,256,037 shares of Class A Common Stock outstanding as of August 21, 2026, as disclosed in the Issuer's definitive consent revocation statement on Schedule 14A filed with the Securities and Exchange Commission (the "SEC") on August 28, 2026.

Reporting person 3

Name: 1/0 Holdco, LLC
No reporting person CIK indication: Y
Citizenship / organization: DE
Reporting person type: OO
Source of funds code: OO
Legal proceedings indication: N
Aggregate amount owned: 130,455.00
Percent of class: 1.0
Sole voting power: 130,455.00
Shared voting power: 0.00
Sole dispositive power: 130,455.00
Shared dispositive power: 0.00
Aggregate excludes certain shares: N
Comments: Note to Row 7, 9 and 11: Includes 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,256,037 shares of Class A Common Stock outstanding as of August 21, 2026, as disclosed in the Issuer's definitive consent revocation statement on Schedule 14A filed with the Securities and Exchange Commission (the "SEC") on August 28, 2026.

Reporting person 4

Name: The 718 4Ever Trust I
No reporting person CIK indication: Y
Citizenship / organization: DE
Reporting person type: OO
Source of funds code: OO
Legal proceedings indication: N
Aggregate amount owned: 465,517.00
Percent of class: 3.5
Sole voting power: 465,517.00
Shared voting power: 0.00
Sole dispositive power: 465,517.00
Shared dispositive power: 0.00
Aggregate excludes certain shares: N
Comments: Note to Row 7, 9 and 11: Includes 465,517 shares of Class A Common Stock that may be obtained upon the conversion of 465,517 shares of Class B Common Stock held by The 718 4Ever Trust I. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg's immediate family are the sole beneficiaries of the trust. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by the trust for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein. Note to Row 13: Calculated based upon 13,256,037 shares of Class A Common Stock outstanding as of August 21, 2026, as disclosed in the Issuer's definitive consent revocation statement on Schedule 14A filed with the Securities and Exchange Commission (the "SEC") on August 28, 2026.

Item 1

Issuer

Better Home & Finance Holding Co

Security title

Class A common stock, par value $0.0001 per share

Principal address

Comment

This Amendment No. 6 ("Amendment No. 6") amends and supplements the Schedule 13D filed on September 7, 2021 (the "Original Schedule 13D", together with Amendment No. 1, Amendment No. 2, Amendment No. 3, Amendment No. 4, Amendment No. 5 and Amendment No. 6, the "Schedule 13D") relating to shares of Class A common stock, par value $0.0001 per share (the "Class A Common Stock"), of Better Home & Finance Holding Company, a Delaware corporation (the "Issuer"). All capitalized terms contained herein but not otherwise defined shall have the meanings ascribed to such terms in the Schedule 13D.

Item 4

Purpose of transaction

Item 4 of the Schedule 13D is hereby amended and supplemented to include the following information: As previously disclosed, the Reporting Persons filed a consent solicitation statement on Schedule 14A with the Securities and Exchange Commission to, among other things, remove without cause, Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar, as directors of the Issuer (the "Consent Solicitation"). On September 30, 2026, the Reporting Persons delivered signed written consents representing a majority of the Issuer's outstanding voting power as of August 21, 2026, the record date for the Consent Solicitation, evidencing that the Issuer's stockholders had approved each of the Reporting Persons' proposals. On October 5, 2026, the results of the Consent Solicitation were certified by the Issuer's independent election inspector and the Reporting Persons' proposals, including to remove each of Messrs. Lewis, Massenet, Menon, Narasimhan and Talwar, as directors of the Issuer, were effectuated.

Signature 1

Reporting person: Garg Vishal
Signed: /s/ Vishal Garg
Title: Vishal Garg
Date: 10/05/2026

Signature 2

Reporting person: 1/0 Real Estate, LLC
Signed: /s/ Vishal Garg
Title: Vishal Garg, Authorized Signatory
Date: 10/05/2026

Signature 3

Reporting person: 1/0 Holdco, LLC
Signed: /s/ Vishal Garg
Title: Vishal Garg, Authorized Signatory
Date: 10/05/2026

Signature 4

Reporting person: The 718 4Ever Trust I
Signed: /s/ Vishal Garg
Title: Vishal Garg, Authorized Signatory
Date: 10/05/2026

Company context

Better Home & Finance Holding Company (NASDAQ: BETR) is the first AI-native mortgage and home equity finance platform, and first fintech to fund more than $110 billion in loan volume. Better has leveraged its industry-leading AI platform, Tinman®, to achieve its singular mission of making homeownership cheaper, faster, and easier for all Americans. Tinman® allows customers to see their rate options in seconds, get pre-approved in minutes, lock in rates, and close their loan in as little as three weeks. In addition, Betsy™, the first AI loan agent built exclusively for the mortgage industry, revolutionizes the homebuying journey by answering questions, delivering approvals, comparing products, processing rate locks, and moving their loan application along to closing 24/7/365. Better’s mortgage offerings include GSE-conforming mortgage loans, FHA and VA loans, and jumbo mortgage and home equity loans. Better serves customers in all 50 US states and the United Kingdom.

Current securities

BETRNASDAQ · EQUITY · Current BETRWNASDAQ · WARRANT · Current

Historical securities (3)

AURCNASDAQ · EQUITY · Historical · closed Aug 24, 2023 AURCUNASDAQ · UNIT · Historical · closed Aug 23, 2023 AURCWNASDAQ · WARRANT · Historical · closed Aug 23, 2023

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Better Home & Finance Holding Co

Beneficial Ownership Report

Structured filing — SCHEDULE 13D/A

Subject company

Statement details

Authorized notification person 1

Reporting person 1

Reporting person 2

Reporting person 3

Reporting person 4

Item 1

Issuer

Security title

Principal address

Comment

Item 4

Purpose of transaction

Signature 1

Signature 2

Signature 3

Signature 4

Company context

Current securities

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