UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

SCHEDULE 14A

(Rule 14a-101)

INFORMATION REQUIRED IN PROXY STATEMENT

SCHEDULE 14A INFORMATION

Consent Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Filed by the Registrant ☐

Filed by a Party other than the Registrant ☒

Check the appropriate box:

Payment of Filing Fee (Check all boxes that apply):

PRELIMINARY COPY SUBJECT TO COMPLETION

DATED AUGUST 17, 2026

THE GARG GROUP

___________, 2026

Fellow Better Home & Finance Stockholders:

Vishal Garg (“Mr. Garg”) and the other participants named herein (collectively, the “Garg Group”,” “we,” “our” or “us”) beneficially own in the aggregate 118,260 shares of Class A common stock, par value $0.0001 per share (the “Class A Common Stock”), and 1,910,964 shares of Class B common stock, par value $0.0001 per share (the “Class B Common Stock,” and together with the Class A Common Stock, the “Voting Stock”) of Better Home & Finance Holding Company, a Delaware corporation (“Better Home,” “BETR” or the “Company”), representing approximately 13.7%¹ of the outstanding shares of Voting Stock. For the reasons set forth in the attached Consent Statement, we believe an immediate reconstitution to the composition of the Board of Directors of the Company (the “Board”) is necessary to reverse the recent stock price decline and re-establish faith in the capital markets counterparties and business-to-business partners and to set forth a path to grow the Company.

We are therefore seeking to take the first step in reconstituting the Board by removing without cause Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar, representing five (5) of the eight (8) directors currently serving on the Board. We believe the Company needs to return to its turnaround strategy that was led by Mr. Garg, continue its cost transformation strategy and conduct a search for a long-term CEO. We therefore feel compelled, on behalf of all stockholders, to take action now, before the situation gets any worse to restore the confidence in the Board that stockholders deserve. Accordingly, we urge you to join us in seeking to remove five (5) current directors of Better Home, Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar.

We urge you to carefully consider the information contained in the attached Consent Statement and then support our efforts by signing, dating and returning the enclosed WHITE consent card today. The attached Consent Statement and the enclosed WHITE consent card are first being furnished to the stockholders on or about [_____], 2026. We urge you not to sign any revocation of consent card that may be sent to you by BETR. If you have done so, you may revoke that revocation of consent by delivering a later dated WHITE consent card to the Garg Group, in care of Okapi Partners LLC, which is assisting us, at the address listed on the following page, or to the principal executive offices of BETR.

¹ Based upon 13,243,928 shares of Class A Common Stock and 4,317,106 shares of Class B Common Stock outstanding as of July 31, 2026, as reported in the Company’s Quarterly Report filed on August 11, 2026.

PRELIMINARY COPY SUBJECT TO COMPLETION

DATED AUGUST 17, 2026

BETTER HOME & FINANCE HOLDING COMPANY
_________________________

CONSENT STATEMENT
OF

THE GARG GROUP

_________________________

PLEASE SIGN, DATE AND MAIL THE ENCLOSED WHITE CONSENT CARD TODAY

This Consent Statement and the accompanying WHITE consent card are being furnished to you as a stockholder of Better Home & Finance Holding Company, a Delaware corporation (“Better Home,” “BETR” or the “Company”), by Vishal Garg and the other participants named herein (collectively, the “Garg Group,” “we,” “our” or “us”), in connection with our solicitation of written consents to remove without cause five (5) directors, Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar, currently serving on the Board of Directors of the Company (the “Board”).

As the Company’s largest stockholder, a director and the former Chief Executive Officer, with aggregate ownership of 118,260 shares of Class A common stock, par value $0.0001 per share (the “Class A Common Stock”), and 1,910,964 shares of Class B common stock, par value $0.0001 per share (the “Class B Common Stock,” and together with the Class A Common Stock, the “Voting Stock”), constituting approximately 13.7% of the outstanding shares, we believe that the Board must be reconstituted to reverse the Board’s recent value destructive actions and restore the Company on a path to creating shareholder value.

A solicitation of written consents is a process that allows a company’s stockholders to act by submitting written consents to any proposed stockholder action in lieu of voting in person or by proxy at an annual or special meeting of stockholders. We are soliciting written consents from the holders of shares of the Voting Stock to take the following actions (each, as more fully described in this Consent Statement, a “Proposal” and together, the “Proposals”), without a stockholders’ meeting, as authorized by the Delaware General Corporation Law (“DGCL”):

Proposal 1 – Repeal any provision of the Company’s Bylaws (the “Bylaws”), including any amendments thereto, in effect at the time this Proposal becomes effective, which was not included in the Bylaws that were in effect as of August 22, 2023 and were filed with the Securities and Exchange Commission (the “SEC”) on August 25, 2023 (the “Bylaw Restoration Proposal”) to restore the Bylaws to their current form if the Board attempts to amend them in any manner prior to the completion of this consent solicitation; and

Proposal 2 – Remove without cause five (5) members of the Board: Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar and, in addition, any person nominated, elected or appointed to the Board to fill any vacancy on the Board or any newly created directorships on or after August 17, 2026 and prior to the time that any of the actions proposed to be taken by this Consent Solicitation become effective (the “Removal Proposal” and collectively with the Bylaw Restoration Proposal, the “Proposals”).

This Consent Statement and the enclosed WHITE consent card are first being sent or given to the stockholders of Better Home on or about [______ __], 2026.

We are soliciting your consent in favor of the adoption of the Removal Proposal because we believe the Company needs to return to its turnaround strategy that was led by Mr. Garg prior to the Board’s value destructive actions, continue its cost transformation strategy and conduct a search for a long-term CEO. In addition, we are soliciting your consent in favor of the adoption of the Bylaw Restoration Proposal to ensure the incumbent Board does not limit the effect of your consent to the removal of the incumbent members of the Board through changes to the Bylaws not filed with the SEC.

The effectiveness of each of the Proposals requires the affirmative consent of the holders of a majority of the shares of Voting Stock outstanding as of the close of business on the Record Date (as defined below). Each Proposal will be effective without further action when we deliver to BETR such requisite number of consents. Neither of the proposals are subject to, or conditioned upon, the effectiveness of the other Proposals.

On [__], 2026, the Garg Group delivered written consents to the Secretary of the Company, which pursuant to Section 213(b) of the DGCL, is the record date for purposes of determining stockholders entitled to give their written consent to the Proposals (the “Record Date”). According to the Company, as of the Record Date, there were [________] shares of Voting Stock outstanding, each of which is entitled to one consent on each of the Proposals.

In addition, the Proposals will not be effective unless the delivery of the written consents complies with Section 228(c) of the DGCL. For the Proposals to be effective, properly completed and unrevoked written consents must be delivered to Better Home within 60 days of the earliest dated written consent delivered to Better Home. We intend to set [_________ __], 2026 as the goal for the submission of written consents.

WE URGE YOU TO ACT TODAY TO ENSURE THAT YOUR CONSENT WILL COUNT.

The Garg Group reserves the right to submit consents to Better Home at any time within 60 days of the earliest dated written consent delivered to Better Home. See “Consent Procedures” for additional information regarding such procedures.

As of the date hereof, the Garg Group collectively owns an aggregate of 118,260 shares of Class A Common Stock and 1,910,964 shares of Class B Common Stock, constituting approximately 13.7% of the outstanding Voting Stock. The Garg Group intends to consent in favor of the Proposals with respect to all of such shares of Voting Stock.

The mailing address of the principal executive offices of Better Home is 1 World Trade Center 285, Fulton St., 80th Floor Suite A, New York, NY 10007.

The failure to sign and return a consent will have the same effect as voting against the Proposals. Please note that in addition to signing the enclosed WHITE consent card, you must also date it to ensure its validity.

THIS CONSENT SOLICITATION IS BEING MADE BY The Garg Group AND NOT BY OR ON BEHALF OF THE COMPANY. The Garg Group URGES YOU TO SIGN, DATE AND RETURN THE WHITE CONSENT CARD IN FAVOR OF THE PROPOSALS DESCRIBED HEREIN.

Important Notice Regarding the Availability of Consent Materials for this consent solicitation

This Consent Statement is available at _____________

IMPORTANT

PLEASE READ THIS CAREFULLY

If your shares of Voting Stock are registered in your own name, please submit your consent to us today by signing, dating and returning the enclosed WHITE consent card in the Postage-paid envelope provided.

If you hold your shares in “street” name with a bank, broker firm, dealer, trust company or other nominee, only they can exercise your right to consent with respect to your shares of Voting Stock and only upon receipt of your specific instructions. Accordingly, it is critical that you promptly give instructions to consent to the Proposals to your bank, broker firm, dealer, trust company or other nominee. Please follow the instructions to consent provided on the enclosed WHITE consent card. If your bank, broker firm, dealer, trust company or other nominee provides for consent instructions to be delivered to them by telephone or Internet, instructions will be included on the enclosed WHITE consent card. The Garg Group urges you to confirm in writing your instructions to the person responsible for your account and provide a copy of those instructions to the Garg Group, c/o Okapi Partners LLC (“Okapi”) so that we will be aware of all instructions given and can attempt to ensure that such instructions are followed.

Execution and delivery of a consent by a holder of shares of Voting Stock will be presumed to be a consent with respect to all shares held by such holder unless the consent specifies otherwise.

Only holders of voting securities of the Company as of the close of business on the Record Date will be entitled to consent to the Proposals. If you are a stockholder as of the close of business on the Record Date, you will retain your right to consent even if you sell your shares of Voting Stock after the Record Date.

IF YOU TAKE NO ACTION, YOU WILL IN EFFECT BE REJECTING THE PROPOSALS. ABSTENTIONS, FAILURES TO CONSENT AND BROKER NON-VOTES WILL HAVE THE SAME EFFECT AS WITHHOLDING CONSENT.

Background to the Solicitation

The following is a chronology of our involvement at Better Home to date and the material events leading up to this consent solicitation:

² Source: Bloomberg, as of August 14, 2026.

QUESTIONS AND ANSWERS ABOUT THIS CONSENT SOLICITATION

The following are some of the questions you, as a stockholder, may have and answers to those questions. The following is not meant to be a substitute for the information contained in the remainder of this Consent Statement, and the information contained below is qualified by the more detailed descriptions and explanations contained elsewhere in this Consent Statement. We urge you to carefully read this entire Consent Statement prior to making any decision on whether to grant any consent hereunder.

WHO IS MAKING THE SOLICITATION?

The Garg Group is making this solicitation. See “Additional Participant Information” for additional information regarding the Participants (as defined below) in this consent solicitation.

WHAT ARE THE PROPOSALS FOR WHICH CONSENTS ARE BEING SOLICITED?

We are asking you to consent to the Bylaw Restoration Proposal and the Removal Proposal, each of which is more fully described below. The Garg Group is asking you to consent to the Proposals in order to take the first step in reconstituting the Board through the removal of five (5) of BETR’s current directors.

WHY ARE WE SOLICITING YOUR CONSENT?

We are soliciting your consent because we believe the Company needs to return to its turnaround strategy that was led by Mr. Garg prior to the Board’s value destructive actions, continue its cost transformation strategy and conduct a search for a long-term CEO.

We therefore feel compelled, on behalf of all stockholders, to take action now, before the situation gets any worse to restore the confidence in the Board that stockholders deserve. Accordingly, we urge you to join us in seeking to remove five (5) current directors of Better Home, Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar.

WHO IS ELIGIBLE TO GRANT WRITTEN CONSENTS IN FAVOR OF THE PROPOSALS?

Stockholders of voting securities at the close of business on the Record Date have the right to consent to the Proposals. The Company has set [______ __], 2026 as the Record Date. The Company has not yet disclosed the number of shares of Common Stock outstanding as of the Record Date, each of which is entitled to one consent on the Proposals.

WHEN IS THE DEADLINE FOR SUBMITTING CONSENTS?

We urge you to submit your consent as soon as possible. In order for the Proposals to be adopted, the Company must receive written unrevoked consents signed by a sufficient number of stockholders to adopt the Proposals within 60 calendar days of the date of the earliest dated consent delivered to the Company. Nevertheless, we intend to set [______ __], 2026 as the goal for submission of written consents. Effectively, this means that you have until [_____ ___], 2026 to consent to the Proposals.

WE URGE YOU TO ACT AS SOON AS POSSIBLE TO ENSURE THAT YOUR CONSENT WILL COUNT.

HOW MANY CONSENTS MUST BE RECEIVED IN ORDER TO ADOPT THE PROPOSALS?

The Proposals will be adopted and become effective when properly completed, unrevoked consents are signed by the holders of a majority of the outstanding voting securities as of the close of business on the Record Date, provided that such consents are delivered to the Company within 60 calendar days of the date of the earliest dated consent delivered to the Company.

According to the Company, as of the Record Date, there were [________] shares of Voting Stock outstanding, each of which is entitled to one consent on the Proposals. This means that the consent of the holders of at least [________] shares of Voting Stock would be necessary to effect the Proposals. As of the date hereof, the Garg Group collectively own in the aggregate 118,260 shares of Class A Common Stock and 1,910,964 shares of Class B Common Stock, representing approximately 13.7% of the outstanding shares of Voting Stock.

WHAT SHOULD YOU DO TO SUPPORT OUR PROPOSALS?

If your shares of Voting Stock are registered in your own name, please submit your consent to us by signing, dating and returning the enclosed WHITE consent card in the Postage-paid envelope provided.

If you hold your shares in “street” name with a bank, broker firm, dealer, trust company or other nominee, only they can exercise your right to consent with respect to your shares of Voting Stock and only upon receipt of your specific instructions. Accordingly, it is critical that you promptly give instructions to consent to the Proposals to your bank, broker firm, dealer, trust company or other nominee. Please follow the instructions to consent provided on the enclosed WHITE consent card. If your bank, broker firm, dealer, trust company or other nominee provides for consent instructions to be delivered to them by telephone or Internet, instructions will be included on the enclosed WHITE consent card. We urge you to confirm in writing your instructions to the person responsible for your account and provide a copy of those instructions to the Garg Group, c/o Okapi Partners so that we will be aware of all instructions given and can attempt to ensure that such instructions are followed.

WHOM SHOULD YOU CALL IF YOU HAVE QUESTIONS ABOUT THE SOLICITATION?

Please call our solicitor Okapi Partners toll-free at: (877) 629-6357. Banks and brokers call collect at: (212) 297-0720.

PROPOSAL 1 – THE BYLAW RESTORATION PROPOSAL

We are asking you to consent to the adoption of the Bylaw Restoration Proposal to ensure that the incumbent Board does not limit the effect of your consent to remove all of the current directors (and any other directors appointed by the Board during this consent solicitation) through changes to the Bylaws not filed with the SEC on or before August 28, 2023, which have the effect of limiting existing stockholders’ rights and abilities to take action in their capacity as stockholders of BETR. The following is the text of the Bylaw Restoration Proposal:

“RESOLVED, that any provision of the Bylaws Better Home & Finance Holding Company as of the effectiveness of this resolution that was not included in the Bylaws filed with the Securities and Exchange Commission on August 22, 2023, be and is hereby repealed.”

The purpose of the Bylaw Restoration Proposal is to ensure that the Bylaws of the Company remain as they are in their current, publicly available form up until the completion of this consent solicitation and to restore the Bylaws to their current form if the Board attempts to amend them in any manner prior to the completion of this consent solicitation. If the Board does not effect any changes to the version of the Bylaws publicly available in filings by BETR with the SEC on or before August 28, 2023, the Bylaw Restoration Proposal will have no further effect. However, if the incumbent Board has made changes since that time, such as amending the provision in the Bylaws to change the procedure by which a record date is set in connection with a consent solicitation, the Bylaw Restoration Proposal, if adopted, will restore the Bylaws to the version that was publicly available in filings by BETR with the SEC on August 28, 2023, without considering the nature of any changes the incumbent Board may have adopted. As a result, the Bylaw Restoration Proposal could have the effect of repealing bylaw amendments that one or more stockholders of the Company may consider to be beneficial to them or to the Company. However, the Bylaw Restoration Proposal will not preclude the Board from reconsidering any repealed bylaw changes following the consent solicitation. We are not currently aware of any specific bylaw provisions that would be repealed by the adoption of the Bylaw Restoration Proposal.

WE URGE YOU TO CONSENT TO THE BYLAW RESTORATION PROPOSAL

PROPOSAL 2 – THE REMOVAL PROPOSAL

We are asking you to consent to the Removal Proposal to remove without cause the following members of the Board, Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar. The following is the text of the Removal Proposal:

“RESOLVED, that (i) each of Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar are to and (ii) each person nominated, elected or appointed to the Board of Directors of Better Home & Finance Holding Company to fill any vacancy or newly-created directorship after August 17, 2026 and prior to the effectiveness of this resolution, are to and shall be removed as a director of the Company without cause pursuant to Sections 141(k) and 228 of the DGCL and the Company’s Certificate of Incorporation, effective immediately.”

We believe the Company needs to return to its turnaround strategy that was led by Mr. Garg, continue its cost transformation strategy and conduct a search for a long-term CEO. We therefore feel compelled, on behalf of all stockholders, to take action now, before the situation gets any worse to restore the confidence in the Board that stockholders deserve. Accordingly, we urge you to join us in seeking to remove five (5) current directors of Better Home, Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar.

The Board is currently composed of eight (8) members. If stockholders consent to the Removal Proposal, five (5) current directors will be removed from the Board.

Section 141(k) of the DGCL provides that any director or the entire board of directors of a Delaware corporation may be removed, with or without cause, by the holders of a majority of the shares then entitled to vote at an election of the corporation’s directors, subject to exceptions if the corporation has a classified board or permits cumulative voting in the election of its directors. The Company does not have a classified board or cumulative voting in the election of its directors. Consequently, Section 141(k) of the DGCL permits the stockholders of the Company to remove any director or the entire Board without cause. If a stockholder wishes to consent to the removal of certain of the members of the Board, but not five (5) of them, or if such stockholder does not wish to approve the removal of any other person or persons elected or appointed to the Board, such stockholder may do so by checking the appropriate “consent” box on the enclosed WHITE consent card and writing (1) the name of each such person that the stockholder does not wish to be removed and/or (2) “do not consent to removal of future directors.”

If a stockholder wishes to consent to the removal of certain of the members of the Board, but not five (5) of them, such stockholder may do so by checking the appropriate “consent” box on the enclosed WHITE consent card and writing the name of each such person that the stockholder does not wish to be removed. According to the [________], filed with the SEC on [______ __], 2026, as of the Record Date, there were [________] shares of Class A Common Stock outstanding, each entitled to one consent per share and [________] shares of Class B Common Stock outstanding, each entitled to three consents per share.

The consent of the holders of at least [__] shares of outstanding Voting Stock would be necessary to effect the Removal Proposal. Therefore, [__] shares in addition to the [__] shares of Class A Common Stock and the [__] shares of Class B Common Stock entitled to consent held by the Garg Group will be needed to effect the Removal Proposal. If any stockholder consenting to the Removal Proposal writes in the name of any of Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar that such stockholder does not wish to be removed, then the total number of shares represented by any such WHITE consent card will be subtracted from the total number of shares consenting to the removal of such director pursuant to the Removal Proposal. In the event that holders of less than [__] shares of outstanding Voting Stock consent to the removal of any of Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan and Harit Talwar, then such director will not be removed pursuant to the Removal Proposal. The actual number of consents necessary to effect the Proposals will depend on the facts as they exist on the Record Date.

The WHITE consent card delivered with this Consent Statement provides stockholders with the opportunity to adopt the Removal Proposal in part by designating the name(s) of any director(s) targeted for removal in this Removal Proposal whom such stockholder does not want removed from the Board.

WE URGE YOU TO CONSENT TO THE REMOVAL PROPOSAL

CONSENT PROCEDURES

Section 228 of the DGCL provides that, absent a contrary provision in a Delaware corporation’s certificate of incorporation, any action that is required or permitted to be taken at a meeting of the corporation’s stockholders may be taken without a meeting, without prior notice and without a vote, if consents in writing, setting forth the action so taken, are signed by the holders of outstanding stock having not less than the minimum number of votes that would be necessary to authorize or take such action at a meeting at which all shares entitled to vote thereon were present and voted and such consents are properly delivered to the corporation by delivery to its registered office in Delaware, its principal place of business or an officer or agent of the corporation having custody of the book in which proceedings of meetings of stockholders are recorded. BETR’s Amended and Restated Certificate of Incorporation, as amended provides that “Subject to the rights of any series of Preferred Stock then outstanding, any action required or permitted to be taken by the stockholders of the Corporation must be effected at a duly called annual or special meeting of stockholders of the Corporation and may not be effected by any consent in writing by such stockholders; provided, that prior to the trading day falling on or immediately after the date on which the number of shares of Class B Common Stock outstanding cease to be at least 15% of the total number of the then-outstanding shares of Common Stock, any action required or permitted to be taken at any annual or special meeting of stockholders of the Corporation may be taken without a meeting, without prior notice and without a vote, if a consent or consents in writing, setting forth the action so taken, is signed by or on behalf of the holders of outstanding stock having not less than the minimum number of votes that would be necessary to authorize or take such action at a meeting at which all shares entitled to vote thereon were present and voted and shall be delivered to the Corporation in accordance with the General Corporation Law.”

Section 213(b) of the DGCL provides that the record date for determining the stockholders of a Delaware corporation entitled to consent to corporate action in writing without a meeting, when no prior action by the corporation's board of directors is required and the board has not fixed the record date, will be the first date on which a signed written consent setting forth the action taken or proposed to be taken is delivered to the corporation by delivery to its registered office in Delaware, its principal place of business or an officer or agent of the corporation having custody of the book in which proceedings of meetings of the stockholders are recorded. No prior action is required by the Board with respect to the Proposals. The Garg Group intends to deliver its written consent to BETR on [___ _], 2026, thereby establishing [___ _], 2026 as the Record Date if the Board has not previously fixed the record date.

For the Proposals to be effective, properly completed and unrevoked written consents must be delivered to BETR within 60 days of the earliest dated written consent delivered to BETR. The Garg Group delivered signed written consents to BETR on [___ _], 2026. Consequently, the Garg Group will need to deliver properly completed and unrevoked written consents to the Proposals from the holders of a majority of the outstanding Voting Stock as of the close of business on the Record Date no later than [___ _], 2026. Nevertheless, we intend to set [______ __], 2026 as the goal for submission of written consents. WE URGE YOU TO ACT TODAY TO ENSURE THAT YOUR CONSENT WILL COUNT. The Garg Group reserves the right to submit to BETR consents at any time within 60 days of the earliest dated written consent delivered to BETR.

If the Proposals become effective as a result of this consent solicitation by less than unanimous written consent, prompt notice of the Proposals will be given under Section 228(e) of the DGCL to stockholders who have not executed written consents. All stockholders will be notified as promptly as possible by press release of the results of this consent solicitation.

Appraisal/Dissenter Rights

Under applicable Delaware law, none of the holders of Voting Stock are entitled to appraisal rights in connection with any matter to be acted through this consent solicitation.

Revocation of Written Consents

An executed consent card may be revoked at any time by delivering a written consent revocation before the time that the action authorized by the executed consent becomes effective. Revocations may only be made by the holder that granted such consent. A revocation may be in any written form validly signed by the holder as long as it clearly states that the consent previously given is no longer effective. The delivery of a subsequently dated WHITE consent card that is properly executed will constitute a revocation of any earlier consent. The revocation may be delivered either to the Garg Group, in care of Okapi Partners, or to the principal executive offices of BETR. Although a revocation is effective if delivered to BETR, the Garg Group requests that either the original or photostatic copies of all revocations of consents be mailed or delivered to the Garg Group, c/o Okapi Partners, at the address set forth on the back cover of this Consent Statement, so that the Garg Group will be aware of all revocations and can more accurately determine if and when sufficient unrevoked consents to the actions described in this Consent Statement have been received.

Procedural Instructions

You may consent to any of the Proposals on the enclosed WHITE consent card by marking the “CONSENT” box and signing, dating and returning the WHITE consent card in the envelope provided. You may also vote against consenting with respect to any of the Proposals on the enclosed WHITE consent card by marking the “AGAINST CONSENT” box, and signing, dating and returning the WHITE consent card in the envelope provided. You may abstain from consenting to any of the Proposals on the enclosed WHITE consent card by marking the “ABSTAIN” box and signing, dating and returning the WHITE consent card in the envelope provided.

If you sign, date and return the WHITE consent card, but give no direction with respect to certain of the Proposals, you will be deemed to consent to any such Proposal.

Please note that in addition to signing the enclosed WHITE consent card, you must also date it to ensure its validity.

WE URGE YOU TO CONSENT TO ALL OF THE PROPOSALS ON THE ENCLOSED WHITE CONSENT CARD.

SOLICITATION OF CONSENTS

The solicitation of consents pursuant to this consent solicitation is being made by the Garg Group and the other Participants named herein. Consents may be solicited by mail, facsimile, telephone, Internet, in person and by advertisements.

The Garg Group have entered into an agreement with Okapi Partners for solicitation and advisory services in connection with this solicitation, for which Okapi Partners will receive a fee not to exceed $[_____], together with reimbursement for its reasonable out-of-pocket expenses, and will be indemnified against certain liabilities and expenses, including certain liabilities under the federal securities laws. Okapi Partners will solicit consents from individuals, brokers, banks, bank nominees and other institutional holders. The Garg Group have requested banks, brokerage houses and other custodians, nominees and fiduciaries to forward all solicitation materials to the beneficial owners of the shares of Voting Stock they hold. The Garg Group will reimburse these holders for their reasonable out-of-pocket expenses in so doing. It is anticipated that Okapi Partners will employ approximately [______] persons to solicit BETR stockholders as part of this solicitation.

The entire expense of this consent solicitation is being borne by the Garg Group. Costs of this consent solicitation are currently estimated to be approximately $[______]. The Garg Group estimate that through the date hereof its expenses in connection with this consent solicitation are approximately $[______]. The actual amount could be higher or lower depending on the facts and circumstances arising in connection with the solicitation.

ADDITIONAL PARTICIPANT INFORMATION

The participants in this solicitation are Vishal Garg, 1/0 Real Estate, LLC, a Delaware limited liability company, 1/10Holdco, LLC, a Delaware limited liability company and the 718 4Ever Trust I, a Delaware Trust (each, a “Participant” and collectively, the “Participants”).

Mr. Garg is the controlling member of 1/0 Holdco, LLC and 1/0 Real Estate, LLC is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the investment adviser of The 718 4Ever Trust I, and members of Mr. Garg’s immediate family are the sole beneficiaries of The 718 4Ever Trust I.

The principal occupation of Mr. Garg is serving as a director on the Company’s Board. Mr. Garg is the controlling member of 1/0 Holdco, LLC and 1/0 Real Estate, LLC is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg’s immediate family are the sole beneficiaries of the trust.

The principal business address of Mr. Garg and each of 1/0 Real Estate, LLC, 1/0 Holdco, LLC and The 718 4Ever Trust I is 1 World Trade Center, 80th Floor, Suite A, New York, New York 10007.

As of the date hereof, 1/0 Real Estate, LLC beneficially owns 130,455 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock.

As of the date hereof, 1/0 Holdco, LLC, as the sole member of 1/0 Real Estate LLC, may be deemed to beneficially own the 130,455 shares of Class B Common Stock directly beneficially owned by 1/0 Real Estate, LLC.

As of the date hereof, The 718 4Ever Trust I directly beneficially owns 465,517 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock.

As of the date hereof, Mr. Garg beneficially owns (a) 118,260 shares of Class A Common Stock, (b) 387,137 currently exercisable options to purchase shares of Class B Common Stock, and (c) 1,523,827 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 13.7% of outstanding.

As of the date hereof, the Participants beneficially own in the aggregate 2,029,224 shares of Voting Stock.

Each Participant, as a member of a “group” with the other Participants for the purposes of Section 13(d)(3) of the Exchange Act, may be deemed to beneficially own the shares of Common Stock owned in the aggregate by all of the Participants. Each Participant disclaims beneficial ownership of the shares of Common Stock he or it does not directly own, except to the extent of his or its pecuniary interest therein. For information regarding purchases and sales of securities of the Company during the past two years by the Participants, see Schedule I.

Certain of the Participants and their associates and affiliates may effect purchases of shares of Voting Stock through margin accounts maintained for them with brokers, which extend margin credit as and when required to open or carry positions in their margin accounts, subject to applicable federal margin regulations, stock exchange rules and such firms’ credit policies. Positions in shares of Voting Stock may be held in margin accounts and may be pledged as collateral security for the repayment of debt balances in such accounts. Such margin accounts may from time to time have debit balances. In addition, since other securities may be held in such margin accounts, it may not be possible to determine the amounts, if any, of margin used to purchase shares of Voting Stock.

If the Garg Group is successful in obtaining stockholder approval for the removal of at least five (5) directors on the Board, then a change of control of the Board may be deemed to have occurred under certain of the Company’s material contracts. Based on a review of the Company’s material contracts and agreements, as publicly filed, such a change of control may trigger certain change of control provisions or payments contained therein, as further described below. We request that the Board approve the Removal Proposal in advance such that the removal of five (5) or more directors on the Board would not trigger the change in control provisions of such agreements.

Pursuant to the Company’s Executive Change in Control Severance Plan (the “Executive Change in Control Severance Plan”), a “change in control” may be deemed to have occurred if, among other things, during any period of not more than 36 months, the individuals who constitute the Board as of the beginning of the period (the “Incumbent Directors”) cease for any reason to constitute at least a majority of the Board, provided that any person becoming a director subsequent to the beginning of such period, whose election or nomination for election was approved by a vote of at least two-thirds of the Incumbent Directors then on the Board (either by a specific vote or by approval of the proxy statement of the Company in which such person is named as a nominee for director, without written objection to such nomination) will be an Incumbent Director; provided, however, that no individual initially elected or nominated as a Director of the Company as a result of an actual or publicly threatened election contest with respect to directors or as a result of any other actual or publicly threatened solicitation of proxies by or on behalf of any person other than the Board will be deemed to be an Incumbent Director. Under the Executive Change in Control Severance Plan, if the employment of a Participant is terminated without Cause or for Good Reason during the period beginning three months prior to and ending 12 months following a change in control, the Participant will be eligible to receive (i) a lump sum cash payment equal to the product of his or her then-current base salary times his or her respective severance multiple, which is one and one-half times (1.5x) for Mr. Smith and Ms. Tuffin; (ii) a lump sum cash payment equal to the Participant’s annual target bonus, pro-rated based on the number of days of employment during the applicable performance period; (iii) payment of or reimbursement for continued medical benefits for a period of up to 12 months for Mr. Smith and Ms. Tuffin; and (iv) full accelerated vesting of all outstanding equity awards held by the Participant on the termination date, with any awards subject to performance-based vesting deemed achieved at 100% of target performance, as applicable. If a Participant is entitled to severance payments and benefits under the Executive Change in Control Severance Plan and the Participant's employment agreement or offer of employment, payments and benefits will be made under the Executive Change in Control Severance Plan rather than the employment agreement or offer of employment.

Pursuant to the Company’s Form of Indemnification Agreement (the “Indemnification Agreement”) by and between the Company and its directors and executive officers, a “change in control” may be deemed to have occurred if, among other things, during any period of two consecutive years, the Incumbent Directors cease for any reason to constitute at least a majority of the Board, provided that any person becoming a director subsequent to the beginning of such period, whose election or nomination for election was approved by a vote of at least two-thirds of the Incumbent Directors then on the Board (either by a specific vote or by approval of the proxy statement of the Company in which such person is named as a nominee for director, without written objection to such nomination) will be an Incumbent Director; provided, however, that no individual initially elected or nominated as a Director of the Company as a result of an actual or publicly threatened election contest with respect to directors or as a result of any other actual or publicly threatened solicitation of proxies by or on behalf of any person other than the Board will be deemed to be an Incumbent Director. Under the Indemnification Agreement, if a change in control has occurred, the determination of Indemnitee’s (as defined in the Indemnification Agreement) entitlement to indemnification will be made by written opinion provided by Independent Counsel selected by Indemnitee (unless Indemnitee requests such selection be made by the Board), a copy of which shall be delivered to the Indemnitee.

Pursuant to the Company’s 2023 Equity Incentive Plan (the “2023 Incentive Equity Plan”), a “change of control” may be deemed to have occurred if, among other things, during any period of not more than 36 months, the Incumbent Directors (as defined in the 2023 Incentive Equity Plan) cease for any reason to constitute at least a majority of the Board, provided that any person becoming a Director subsequent to the beginning of such period, whose election or nomination for election was approved by a vote of at least two-thirds of the Incumbent Directors then on the Board (either by a specific vote or by approval of the proxy statement of the Company in which such person is named as a nominee for director, without written objection to such nomination) will be an Incumbent Director; provided, however, that no individual initially elected or nominated as a director of the Company as a result of an actual or publicly threatened election contest with respect to directors or as a result of any other actual or publicly threatened solicitation of proxies by or on behalf of any person other than the Board will be deemed to be an Incumbent Director. Further, a change in control will not be deemed to occur solely because (i) any person acquires beneficial ownership of more than 50% of the Company Voting Securities (as defined in the 2023 Incentive Equity Plan) as a result of the acquisition of Company Voting Securities by the Company which reduces the number of Company Voting Securities outstanding, provided that if after such acquisition by the Company such person becomes the beneficial owner of additional Company Voting Securities that increases the percentage of outstanding Company Voting Securities beneficially owned by such person (excluding, for these purposes, any Company Voting Securities beneficially owned by such person as a result of any vesting, exercise and/or settlement of Awards granted pursuant to this Plan or any successor plan), a Change in Control will then occur; (ii) Vishal Garg and his affiliates and associates are deemed to beneficially own greater than 50% of the Company’s Voting Securities as a result of transfers or sales by third parties (including transfers and sales pursuant to which such third parties convert or otherwise exchange shares of the Company’s Class B Common Stock for shares of the Company’s Class A Common Stock) that occur independently of Vishal Garg and his affiliates and associates; or (iii) of any such transfers or sales by such third parties.

Pursuant to the Company’s Director Compensation Policy (the “Director Compensation Policy”), a “change of control” may be deemed to have occurred under the same terms set forth in the 2023 Incentive Equity Plan. To the extent that the successor entity does not assume or substitute outstanding awards, the administrator will cause all such awards to become fully vested and, if applicable, exercisable immediately prior to the consummation of such transaction, and with respect to awards with performance-based vesting, all performance goals or other vesting criteria will be deemed achieved at one hundred percent (100%) of target levels and all other terms and conditions met unless specifically provided otherwise under the applicable award agreement or otherwise determined by the administrator, and all forfeiture restrictions on such awards will lapse and, to the extent unexercised upon the consummation of such transaction, will be terminated in exchange for cash, rights or other property.

Pursuant to the Company’s Form of Better Home & Finance Holding Company 2023 Incentive Equity Plan RSU Agreement, a “change of control” may be deemed to have occurred under the same terms set forth in the 2023 Incentive Equity Plan. Upon a Participant’s Termination of Service (as defined in the 2023 Incentive Equity Plan), due to death or disability, any unvested restricted stock units will accelerate and vest. Upon any other Termination of Service, all restricted stock units that have not become vested on or prior to the date of such Termination of Service will thereupon be automatically forfeited by the Participant without payment of any consideration therefor. In addition, if a Participant experiences a Termination of Service during the period beginning three months prior to and ending 12 months following the closing of a change in control that is effected by the Company without Cause (as defined in the 2023 Incentive Equity Plan) or by the Participant for Good Reason (as defined in the 2023 Incentive Equity Plan), then the restricted stock units shall become fully vested and all forfeiture restrictions on such restricted stock units shall lapse as of immediately prior to the consummation of such Change in Control or, if later, the date of Termination of Service.

Pursuant to the Company’s Form of Better Home & Finance Holding Company 2023 Incentive Equity Plan Stock Option Grant Notice, a change of control may be deemed to have occurred under the same terms set forth in the 2023 Incentive Equity Plan. If a Participant experiences a Termination of Service (as defined in the 2023 Incentive Equity Plan) during the period beginning three months prior to and ending 12 months following the closing of a change in control that is effected by the Company without Cause (as defined in the 2023 Incentive Equity Plan) or by the Participant for Good Reason (as defined in the 2023 Incentive Equity Plan), then the Option shall become fully vested and exercisable and all forfeiture restrictions on the Option shall lapse as of immediately prior to the consummation of such change in control or, if later, the date of Termination of Service.

Pursuant to the Company’s 2017 Equity Incentive Plan (the “2017 Equity Incentive Plan”), a “change of control” may be deemed to have occurred if, among other things, the Company has a class of securities registered pursuant to Section 12 of the Exchange Act, a change in the effective control of the Company which occurs on the date that a majority of members of the Board is replaced during any twelve (12) month period by directors whose appointment or election is not endorsed by a majority of the members of the Board prior to the date of the appointment or election. The 2017 Equity Incentive Plan was assumed by the Company in connection with a business combination and governs certain outstanding awards granted thereunder. The treatment of such awards upon a change of control is governed by the applicable award agreement, including whether the applicable award is subject to single-trigger or double-trigger vesting provisions. In connection with the Business Combination each holder of Better HoldCo options and restricted stock units received an equivalent award adjusted based on the exchange ratio that vests in accordance with the original terms of the award.

Pursuant to the Company’s Form of Better HoldCo Inc. 2017 Equity Incentive Plan Restricted Stock Unit Agreement, a “change of control” may be deemed to have occurred under the same terms set forth in the 2017 Equity Incentive Plan.

Pursuant to the Company’s Form of Better HoldCo Inc. 2017 Equity Incentive Plan Stock Option Agreement, a “change of control” may be deemed to have occurred under the same terms set forth in the 2017 Equity Incentive Plan.

Pursuant to the Company’s 2024 Inducement Award Plan (the “Inducement Award Plan”), a “change of control” may be deemed to have occurred if, among other things, individuals who, on the date the Inducement Award Plan was adopted by the Board, are members of the Board cease for any reason to constitute at least a majority of the members of the Board; provided, however, that if the appointment or election (or nomination for election) of any new Board member was approved or recommended by a majority vote of the members of the incumbent Board then still in office, such new member will, for purposes of the Inducement Award Plan, be considered as a member of the incumbent Board.

Pursuant to the Company’s 2026 Inducement Incentive Plan (the “2026 Inducement Incentive Plan”), a “change of control” may be deemed to have occurred if, among other things, during any period of not more than 36 months, the Incumbent Directors (as defined in the 2026 Inducement Incentive Plan) cease for any reason to constitute at least a majority of the Board, provided that any person becoming a Director subsequent to the beginning of such period, whose election or nomination for election was approved by a vote of at least two-thirds of the Incumbent Directors then on the Board (either by a specific vote or by approval of the proxy statement of the Company in which such person is named as a nominee for director, without written objection to such nomination) will be an Incumbent Director; provided, however, that no individual initially elected or nominated as a director of the Company as a result of an actual or publicly threatened election contest with respect to directors or as a result of any other actual or publicly threatened solicitation of proxies by or on behalf of any person other than the Board will be deemed to be an Incumbent Director. Upon a change in control, the Administrator (meaning either a group of directors consisting solely of a majority of the independent directors on the Board or the Compensation, Corporate Governance and Nominations Committee of the Board) may, in its discretion, provide for the assumption, substitution, continuation, or adjustment of outstanding awards, or may cancel and cash out such awards based on the value thereof. In the event that the successor entity does not assume, substitute, or otherwise continue an award, the 2026 Inducement Incentive Plan generally provides that such award will become fully vested immediately prior to the change in control, with any applicable forfeiture restrictions lapsing and, in the case of performance-based awards, the applicable performance goals generally deemed satisfied at 100% of target, unless otherwise provided in the applicable award agreement or determined by the Administrator.

Pursuant to the Company’s Form of 2026 Inducement Incentive Plan Restricted Stock Unit Award Grant Notice (the “2026 RSU Award Agreement and Grant Notice”), a “change of control” may be deemed to have occurred under the same terms set forth in the 2026 Inducement Incentive Plan. In the event of a change of control, any then-unvested RSUs shall immediately vest in full, subject to the Participant’s continuous employment through the date of such change of control.

Except as set forth in this Consent Statement (including the Schedules hereto), (i) during the past 10 years, no Participant in this solicitation has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors); (ii) no Participant in this solicitation directly or indirectly beneficially owns any securities of the Company; (iii) no Participant in this solicitation owns any securities of the Company which are owned of record but not beneficially; (iv) no Participant in this solicitation has purchased or sold any securities of the Company during the past two years; (v) no part of the purchase price or market value of the securities of the Company owned by any Participant in this solicitation is represented by funds borrowed or otherwise obtained for the purpose of acquiring or holding such securities; (vi) no Participant in this solicitation is, or within the past year was, a party to any contract, arrangements or understandings with any person with respect to any securities of the Company, including, but not limited to, joint ventures, loan or option arrangements, puts or calls, guarantees against loss or guarantees of profit, division of losses or profits, or the giving or withholding of proxies; (vii) no associate of any Participant in this solicitation owns beneficially, directly or indirectly, any securities of the Company; (viii) no Participant in this solicitation owns beneficially, directly or indirectly, any securities of any parent or subsidiary of the Company; (ix) no Participant or any of his or its associates or immediate family members was a party to any transaction, or series of similar transactions, since the beginning of the Company’s last fiscal year, or is a party to any currently proposed transaction, or series of similar transactions, to which the Company or any of its subsidiaries was or is to be a party, in which the amount involved exceeds $120,000; (x) no Participant in this solicitation or any of his or its associates has any arrangement or understanding with any person with respect to any future employment by the Company or its affiliates, or with respect to any future transactions to which the Company or any of its affiliates will or may be a party; and (xi) no Participant in this solicitation has a substantial interest, direct or indirect, by securities holdings or otherwise, in any matter to be acted on in this solicitation. With respect to each of the Participants, except as set forth elsewhere in this Consent Statement, none of the events enumerated in Item 401(f)(1)-(8) of Regulation S-K of the Exchange Act occurred during the past 10 years.

OTHER MATTERS AND ADDITIONAL INFORMATION

Some banks, brokers and other nominee record holders may be participating in the practice of “householding” consent statements and annual reports. This means that only one copy of this Consent Statement may have been sent to multiple stockholders in your household. The Garg Group will promptly deliver a separate copy of the document to you if you write to our solicitor, Okapi Partners, at the following address or phone number: (877) 629-6357. If you want to receive separate copies of our consent materials in the future, or if you are receiving multiple copies and would like to receive only one copy for your household, you should contact your bank, broker or other nominee record holder, or you may contact our solicitor at the above address and phone number.

SPECIAL INSTRUCTIONS

If you were a record holder of shares of Voting Stock as of the close of business on the Record Date for this consent solicitation, you may elect to consent to, vote against consenting to or abstain with respect to each Proposal by marking the “CONSENT,” “AGAINST CONSENT” or “ABSTAIN” box, as applicable, underneath each Proposal on the accompanying WHITE consent card and signing, dating and returning it promptly in the enclosed post-paid envelope.

IF A STOCKHOLDER EXECUTES AND DELIVERS A WHITE CONSENT CARD, BUT FAILS TO CHECK A BOX MARKED “CONSENT,” “AGAINST CONSENT” OR “ABSTAIN” FOR A PROPOSAL, THAT STOCKHOLDER WILL BE DEEMED TO HAVE CONSENTED TO THAT PROPOSAL, EXCEPT THAT THE STOCKHOLDER WILL NOT BE DEEMED TO CONSENT TO THE REMOVAL OF ANY DIRECTOR WHOSE NAME IS WRITTEN IN THE SPACE THE APPLICABLE INSTRUCTION TO THE REMOVAL PROPOSAL PROVIDES ON THE CARD.

YOUR CONSENT IS IMPORTANT. PLEASE SIGN AND DATE THE ENCLOSED WHITE CONSENT CARD AND RETURN IT IN THE ENCLOSED POST-PAID ENVELOPE PROMPTLY. YOU MUST DATE YOUR CONSENT IN ORDER FOR IT TO BE VALID. FAILURE TO SIGN, DATE AND RETURN YOUR CONSENT WILL HAVE THE SAME EFFECT AS VOTING AGAINST THE PROPOSALS.

If your shares are held in the name of a brokerage firm, bank nominee or other institution, only it can execute a consent with respect to those shares of Voting Stock and only on receipt of specific instructions from you. Thus, you should contact the person responsible for your account and give instructions for the WHITE consent card to be signed representing your shares. You should confirm in writing your instructions to the person responsible for your account and provide a copy of those instructions to Okapi Partners at the address below, so that we will be aware of all instructions given and can attempt to ensure that those instructions are followed. If you have any questions or require any assistance in executing your consent, please call Okapi Partners at the numbers listed below.

CERTAIN ADDITIONAL INFORMATION

WE HAVE OMITTED FROM THIS CONSENT STATEMENT CERTAIN DISCLOSURE REQUIRED BY APPLICABLE LAW THAT IS EXPECTED TO BE INCLUDED IN A CONSENT REVOCATION STATEMENT TO BE FILED BY THE COMPANY RELATING TO THE PROPOSALS DESCRIBED HEREIN BASED ON OUR RELIANCE ON RULE 14A-5(C) UNDER THE EXCHANGE ACT. THIS DISCLOSURE IS EXPECTED TO INCLUDE, AMONG OTHER THINGS, CURRENT BIOGRAPHICAL INFORMATION ON THE COMPANY’S DIRECTORS AND EXECUTIVE OFFICERS, INFORMATION CONCERNING EXECUTIVE COMPENSATION AND DIRECTOR COMPENSATION, INFORMATION CONCERNING THE COMMITTEES OF THE BOARD AND OTHER INFORMATION CONCERNING THE BOARD, INFORMATION CONCERNING CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS, INFORMATION ABOUT THE COMPANY’S INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM AND OTHER IMPORTANT INFORMATION. SEE SCHEDULE II FOR INFORMATION REGARDING PERSONS WHO BENEFICIALLY OWN MORE THAN 5% OF THE SHARES AND THE OWNERSHIP OF THE SHARES BY THE DIRECTORS AND MANAGEMENT OF THE COMPANY.

The information concerning the Company contained in this Consent Statement and the Schedules attached hereto has been taken from, or is based upon, publicly available information.

Vishal Garg

[_______ __], 2026

SCHEDULE I

TRANSACTIONS IN SECURITIES OF the COMPANY
DURING THE PAST TWO YEARS

VISHAL GARG

¹ This disposition represents a bona fide gift.

² Granted to Mr. Garg in his capacity as director of the Company, subject to time-based vesting requirements.

³ Represents the conversion of restricted stock units into Class A Common Stock.

⁴ Represents shares of performance-based restricted stock units granted to Mr. Garg, which convert into Class A Common Stock on a one-for-one basis.

⁵ Represents a grant of restricted stock units that vested immediately.

SCHEDULE II

The following is reprinted from the Company’s [____] filed with the Securities and Exchange Commission on [_____].

IMPORTANT

Tell your Board what you think! YOUR CONSENT IS VERY IMPORTANT, no matter how many or how few shares you own. Please “CONSENT” to each of the Proposals by taking three steps:

If any of your shares are held in the name of a broker, bank, bank nominee, or other institution, only it can give consent for your shares and only upon receipt of your specific instructions. Depending upon your broker or custodian, you may be able to give consent either by toll-free telephone or by the Internet. You may also give consent by signing, dating and returning the enclosed WHITE consent card in the Postage-paid envelope provided, and to ensure that your consent is given for your shares, you should also contact the person responsible for your account and give instructions for a WHITE consent card to be issued representing your shares.

After signing the enclosed WHITE consent card, DO NOT SIGN OR RETURN BETR’S CONSENT REVOCATION CARD UNLESS YOU INTEND TO CHANGE YOUR CONSENT INSTRUCTIONS, because only your latest dated consent card will be counted.

If you have previously signed and returned a [___] consent revocation card to BETR, you have every right to change your consent instructions. Only your latest dated consent card will count. You may cancel any consent revocation card already sent to BETR by signing, dating and mailing the enclosed WHITE consent card in the Postage-paid envelope provided or by giving consent by telephone or Internet. Any consent revocation may be cancelled at any time prior to our delivery of written consents to the Company.

If you have any questions concerning this Consent Statement, would like to request additional copies of this Consent Statement or need help giving consent for your shares, please contact our consent solicitor:

PRELIMINARY COPY SUBJECT TO COMPLETION
DATED AUGUST 17, 2026

WHITE CONSENT CARD

CONSENT OF STOCKHOLDERS OF Better Home & Finance Holding Company TO ACTION WITHOUT A MEETING:

THIS CONSENT IS SOLICITED BY VISHAL GARG AND THE OTHER PARTICIPANTS NAMED IN HIS CONSENT SOLICITATION (COLLECTIVELY, THE “GARG GROUP”)

THE BOARD OF DIRECTORS OF Better Home & Finance Holding Company IS NOT SOLICITING THIS CONSENT

C   O   N   S   E   N   T

Unless otherwise indicated below, the undersigned, a stockholder of record of Better Home & Finance Holding Company (the “Company”), hereby consents pursuant to Section 228(a) of the Delaware General Corporation Law with respect to all shares of the Company’s Class A common stock, par value $0.0001 per share (the “Class A Common Stock Shares”) and Class B common stock, par value $0.0001 per share (the “Class B Common Stock Shares,” and together with the Class A Common Stock Shares, the “Voting Stock Shares”) held by the undersigned to the taking of the following actions without a meeting of the stockholders of the Company: