Ontario pension fund discloses 5.9% stake in Better (BETR)

Rhea-AI Filing Summary

Healthcare of Ontario Pension Plan Trust Fund (HOOPP) has filed Amendment No. 2 to a Schedule 13G reporting beneficial ownership of 578,960 shares of Better Home & Finance Holding Company Class A common stock.

This holding represents 5.9% of the Class A shares outstanding, based on 9,855,284 Class A shares issued and outstanding as of November 3, 2025, as reported by the company. HOOPP reports sole voting and dispositive power over all of these shares.

HOOPP describes itself as a pension plan formed as a trust under Ontario law and certifies that the shares were acquired and are held in the ordinary course of business, not for the purpose of changing or influencing control of Better Home & Finance.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 2)

Better Home & Finance Holding Company

(Name of Issuer)

Class A common stock, par value $0.0001 per share

(Title of Class of Securities)

08774B508

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 08774B508

1

Names of Reporting Persons

Healthcare of Ontario Pension Plan Trust Fund

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ONTARIO, CANADA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 578,960.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 578,960.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

578,960.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

5.9 %

12

Type of Reporting Person (See Instructions)

FI

Comment for Type of Reporting Person: In reference to Rows 5, 7 and 9 above, amount consists of shares of Class A common stock, par value $0.0001 per share ("Class A Shares"), of Better Home & Finance Holding Company, a Delaware corporation (the "Issuer"). In reference to Row 11 above, percentage ownership is based on 9,855,284 Class A Shares issued and outstanding as of November 3, 2025 as reported on the Issuer's report on Form 10-Q filed with the Securities and Exchange Commission on November 13, 2025.

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Better Home & Finance Holding Company
(b)	Address of issuer's principal executive offices: 1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A, New York, NY 10007
Item 2.
(a)	Name of person filing: Healthcare of Ontario Pension Plan Trust Fund ("HOOPP")
(b)	Address or principal business office or, if none, residence: 1 York Street, Suite 1900, Toronto, Ontario, Canada, M5J 0B6
(c)	Citizenship: Ontario, Canada
(d)	Title of class of securities: Class A common stock, par value $0.0001 per share
(e)	CUSIP No.: 08774B508
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
	A pension plan formed as a trust under the laws of Ontario, Canada and registered with the Financial Services Regulatory Authority of Ontario.
Item 4.	Ownership
(a)	Amount beneficially owned: See Item 9 on page 2.
(b)	Percent of class: See Item 11 on page 2.
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: See Item 5 on page 2.
	(ii) Shared power to vote or to direct the vote: See Item 6 on page 2.
	(iii) Sole power to dispose or to direct the disposition of: See Item 7 on page 2.
	(iv) Shared power to dispose or to direct the disposition of: See Item 8 on page 2.
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11. By signing below I certify that, to the best of my knowledge and belief, the regulatory scheme applicable to a pension plan formed as a trust under the laws of Ontario, Canada and registered with the Financial Services Regulatory Authority of Ontario is substantially comparable to the regulatory scheme applicable to the functionally equivalent U.S. institution(s). I also undertake to furnish to the Securities and Exchange Commission staff, upon request, information that would otherwise be disclosed in a Schedule 13D.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Healthcare of Ontario Pension Plan Trust Fund

Signature:	/s/ Abas Kanu
Name/Title:	Abas Kanu, VP, HOOPP Compliance Officer
Date:	02/13/2026

FAQ

What stake in Better Home & Finance (BETR) does HOOPP report?

Healthcare of Ontario Pension Plan Trust Fund reports beneficial ownership of 578,960 Class A common shares of Better Home & Finance. This represents 5.9% of the Class A shares outstanding, based on 9,855,284 shares the company reported as outstanding as of November 3, 2025.

What type of filing is this Schedule 13G/A for Better Home & Finance (BETR)?

This is Amendment No. 2 to a Schedule 13G filing, used to report passive ownership of Better Home & Finance Class A common stock. It reflects HOOPP’s current beneficial holdings and confirms they are held without the purpose of changing or influencing control of the issuer.

Who is the reporting person in the Better Home & Finance (BETR) Schedule 13G/A?

The reporting person is Healthcare of Ontario Pension Plan Trust Fund, referred to as HOOPP. It is a pension plan formed as a trust under the laws of Ontario, Canada and is registered with the Financial Services Regulatory Authority of Ontario, acting as an institutional investor holder.

Does HOOPP have voting and dispositive power over its BETR shares?

HOOPP reports sole voting power over 578,960 Better Home & Finance Class A shares and sole dispositive power over the same amount. It reports no shared voting power and no shared dispositive power, indicating full control over how these reported shares are voted and disposed of.

Is HOOPP’s ownership in Better Home & Finance (BETR) considered passive?

Yes. HOOPP certifies the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of Better Home & Finance. It also notes its regulatory framework is comparable to that of functionally equivalent U.S. institutions.

What share count did HOOPP use to calculate its 5.9% BETR ownership?

The 5.9% ownership figure is based on 9,855,284 Class A common shares of Better Home & Finance issued and outstanding as of November 3, 2025, as reported by the company in its Form 10-Q filed with the U.S. Securities and Exchange Commission on November 13, 2025.