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Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
Checkbox not checked   Rule 13d-1(b)
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X0202 SCHEDULE 13D/A 0001104659-25-051160 0001851865 XXXXXXXX LIVE 8 Class A Common Stock 03/05/2026 false 0001835856 08774B102 BETTER HOME & FINANCE HOLDING CO 1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A New York NY 10007 Ilan Katz (212) 768-6700 Dentons US LLP 1221 Avenue of the Americas, New York NY 10020 0001851865 N Novator Capital Sponsor Ltd. b WC N G4 659446.00 0.00 659446.00 0.00 659446.00 N 6.20 OO (1) The reported shares beneficially owned include (i) 613,396 shares of Class A Common Stock; and (ii) 46,050 shares of Class A Common Stock issuable upon the exercise of warrants to purchase Class A Common Stock of the Issuer (the "Warrants"). As adjusted for the Reverse Stock Split, each whole share of Class A Common Stock underlying the Warrants is exercisable at a price of $575.00 per share, subject to adjustment. The Warrants expire on August 22, 2028. (2) The reported percent of class represented is calculated based upon 10,639,547 shares of Class A Common Stock outstanding as of March 2, 2026, as reported by the Issuer in its Form 10-K filed with the SEC on March 13, 2026, plus the 46,050 shares of Class A common stock issuable upon the exercise of the Warrants held by the Reporting Person. Y Thor Bjorgolfsson b WC N K6 659446.00 0.00 659446.00 0.00 659446.00 N 6.20 IN (1) The reported shares beneficially owned include (i) 613,396 shares of Class A Common Stock held of record by Novator Capital Sponsor Ltd., a Cyprus limited liability company ("NCSL"); and (ii) 46,050 shares of Class A Common Stock issuable upon the exercise of Warrants held of record by NCSL. As adjusted for the Reverse Stock Split, each whole share of Class A Common Stock underlying the Warrants is exercisable at a price of $575.00 per share, subject to adjustment. The Warrants expire on August 22, 2028. (2) The securities beneficially owned are held directly by NSCL and Thor Bjorgolfsson may be deemed to have dispositive and voting control over those securities. NCSL is indirectly 99.9% owned by the irrevocable discretionary trust known as The Future Holdings Trust for which BB Trust Company SA acts as trustee; the directors of such trust are Alessandro Passardi, Peter Mitchell and Arnaud Cywie. Mr. Bjorgolfsson disclaims beneficial ownership of the shares owned by NCSL. (3) The reported percent of class represented is calculated based upon 10,639,547 shares of Class A Common Stock outstanding as of March 2, 2026, as reported by the Issuer in its Form 10-K filed with the SEC on March 13, 2026, plus the 46,050 shares of Class A common stock issuable upon the exercise of the Warrants held by the Reporting Person. Class A Common Stock BETTER HOME & FINANCE HOLDING CO 1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A New York NY 10007 This Amendment No. 8 ("Amendment No. 8") amends and supplements the original Schedule 13D filed with the SEC on March 18, 2021 (as amended by Amendment No. 1 filed with the SEC on August 28, 2023, Amendment No. 2 filed with the SEC on October 20, 2023, Amendment No. 3 filed with the SEC on October 25, 2024, Amendment No. 4 filed with the SEC on November 21, 2024, Amendment No. 5 filed with the SEC on December 2, 2024, Amendment No. 6 filed with the SEC on December 17, 2024, and Amendment No. 7 filed with the SEC on May 20, 2025 the "Original Schedule 13D") relating to shares of Class A common stock, par value $0.0001 per share (the "Class A Common Stock"), of the Issuer, Better Home & Finance Holding Company, a Delaware corporation, formerly Aurora Acquisition Corp., a Cayman Islands exempted company. Except as provided herein, all Items of the Original Schedule 13D remain unchanged and this Amendment No. 8 does not modify any information previously reported on the Original Schedule 13D. All capitalized terms contained herein but not otherwise defined shall have the meanings ascribed to such terms in the Original Schedule 13D. This Amendment No. 8 is being filed to report the current percentage of the outstanding shares of Class A Common Stock (calculated in accordance with Rule 13d-3 under the Exchange Act) and Warrants beneficially owned by the Reporting Persons, and reflects a decrease of more than one percent in the percentage of outstanding Class A Common Stock that Thor Bjorgolfsson beneficially owns, or may be deemed to beneficially own, which resulted from (a) an increase in the total number of the Issuer's securities outstanding; (b) transfers of shares of Class A Common Stock from Novator Capital Limited (f/k/a NaMa Capital Limited), a company governed by the laws of Cyprus and originally incorporated in Guernsey ("NCL"), to NCSL; and (d) sales of shares of Class A Common Stock by NCSL. Item 3 of the Original Schedule 13D is hereby amended and supplemented as follows: The information set forth in Item 4 hereof is hereby incorporated by reference into this Item 3, as applicable. Item 4 of the Schedule 13D is hereby amended and supplemented to include the following: Transfer by NCL to NCSL: On March 5, 2026, NCL transferred 216,724 shares of Class A Common Stock of the Issuer to NCSL. Sales by NCSL: Between December 2, 2025 and March 10, 2026, NCSL sold an aggregate of 280,414 shares of Class A Common Stock of the Issuer in open market sales, as set forth in Annex A hereto. The response set forth in Item 5 of the Original Schedule 13D is hereby amended by deleting the previous response in its entirety and replacing it with the following: The information contained in rows 7, 8, 9, 10, 11, and 13 on each of the cover pages of this Schedule 13D is incorporated by reference in its entirety into this Item 5. The information contained in rows 7, 8, 9, 10, 11, and 13 on each of the cover pages of this Schedule 13D is incorporated by reference in its entirety into this Item 5. Except for the transaction described in Item 4 of this Schedule 13D, the Reporting Persons have not engaged in any transaction during the past 60 days involving ordinary shares of the Issuer. None. Novator Capital Sponsor Ltd. /s/ Pericles Spyrou Pericles Spyrou, Director 03/19/2026 Thor Bjorgolfsson /s/ Thor Bjorgolfsson Thor Bjorgolfsson 03/19/2026