X0202 SCHEDULE 13D/A 0001297602 XXXXXXXX LIVE 6 Class A common stock, par value $0.0001 per share 10/05/2026 false 0001835856 08774B508 Better Home & Finance Holding Co

1 WORLD TRADE CENTER, 285 FULTON ST FLR 80, SUITE A NEW YORK NY 10007

Vishal Garg 415-523-8837 1 World Trade Center, 285 Fulton Street 80th Floor, Suite A New York NY 10007 0001297602 N Garg Vishal OO N X1 2029224.00 0.00 2029224.00 0.00 2029224.00 N 13.7 IN 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. Y 1/0 Real Estate, LLC OO N DE 130455.00 0.00 130455.00 0.00 130455.00 N 1.0 OO 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. Y 1/0 Holdco, LLC OO N DE 130455.00 0.00 130455.00 0.00 130455.00 N 1.0 OO 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. Y The 718 4Ever Trust I OO N DE 465517.00 0.00 465517.00 0.00 465517.00 N 3.5 OO 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. Class A common stock, par value $0.0001 per share Better Home & Finance Holding Co 1 WORLD TRADE CENTER, 285 FULTON ST FLR 80, SUITE A NEW YORK NY 10007 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 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. Garg Vishal /s/ Vishal Garg 10/05/2026 1/0 Real Estate, LLC /s/ Vishal Garg 10/05/2026 1/0 Holdco, LLC /s/ Vishal Garg 10/05/2026 The 718 4Ever Trust I /s/ Vishal Garg 10/05/2026