Statement of Changes in Beneficial Ownership (Form 4)

Ownership Submission

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * Bjorgolfsson Thor 2. Issuer Name and Ticker or Trading Symbol Better Home & Finance Holding Co [BETR] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director __X__ 10% Owner _____ Officer (give title below) _____ Other (specify below) (Last) (First) (Middle) NOVATOR (SWITZERLAND), AG IBELWEG 18A 3. Date of Earliest Transaction (Month/Day/Year) 12/05/2024 (Street) ZUG, V8 6300 4. If Amendment, Date Original Filed (Month/Day/Year) 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Class A Common Stock 12/05/2024 S 10 D $13.25 922,543(2)(3) I(2)(3) See Footnotes(2)(3) Class A Common Stock 12/06/2024 S 36,381 D $12.501(1) 886,162(2)(4) I(2)(4) See Footnotes(2)(4)

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)	5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)	6. Date Exercisable and Expiration Date (Month/Day/Year)	7. Title and Amount of Underlying Securities (Instr. 3 and 4)	8. Price of Derivative Security (Instr. 5)	9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address	Relationships
Director	10% Owner	Officer	Other
Bjorgolfsson Thor NOVATOR (SWITZERLAND) AG IBELWEG 18A ZUG, V8 6300		X

Signatures

/s/ Thor Bjorgolfsson	12/09/2024
**Signature of Reporting Person	Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $12.500 to $12.585 per share, inclusive. The reporting person undertakes to provide to Better Home & Finance Holding Co., any security holder of Better Home & Finance Holding Co., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth herein.
(2)	The securities sold in the transactions reported herein were held of record by Novator Capital Sponsor Ltd., a Cyprus limited liability company ("NCSL"), and Thor Bjorgolfsson may be deemed to have dispositive and voting control over the securities held by NCSL. NCSL is indirectly 99.9% owned by FHT for which BB Trustees SA acts as trustee; the directors of such trust are Alessandro Passardi, Jan Rottiers and Arnaud Cywie. Mr. Bjorgolfsson disclaims beneficial ownership of the shares owned by NCSL.
(3)	The securities reported in Column 5 comprise: (a) 452,543 shares of Class A Common Stock held of record by NCSL; (b) 20,000 shares of Class A Common Stock held of record by NaMa Capital Limited, a company incorporated in Guernsey ("NaMa"); and (c) 450,000 shares of Class A Common Stock held of record by Livenandro Holdings Limited, a Cyprus limited company ("Livenandro"). Thor Bjorgolfsson may be deemed to have dispositive and voting control over the securities held by each of NCSL, NaMa and Livenandro. Each of f NCSL, NaMa and Livenandro are indirectly 99.9% owned by FHT for which BB Trustees SA acts as trustee; the directors of such trust are Alessandro Passardi, Jan Rottiers and Arnaud Cywie. Mr. Bjorgolfsson disclaims beneficial ownership of the shares owned by each of NCSL, NaMa and Livenandro.
(4)	The securities reported in Column 5 comprise: (a) 416,162 shares of Class A Common Stock held of record by NCSL; (b) 20,000 shares of Class A Common Stock held of record by NaMa Capital Limited, a company incorporated in Guernsey ("NaMa"); and (c) 450,000 shares of Class A Common Stock held of record by Livenandro Holdings Limited, a Cyprus limited company ("Livenandro"). Thor Bjorgolfsson may be deemed to have dispositive and voting control over the securities held by each of NCSL, NaMa and Livenandro. Each of f NCSL, NaMa and Livenandro are indirectly 99.9% owned by FHT for which BB Trustees SA acts as trustee; the directors of such trust are Alessandro Passardi, Jan Rottiers and Arnaud Cywie. Mr. Bjorgolfsson disclaims beneficial ownership of the shares owned by each of NCSL, NaMa and Livenandro.

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