Brisk trading and genuine profits from home-brand mortgage product is the bright mark in the results for Australian Finance Group for the year to June 2016.Profits from broking, AFG's core business, fell to A$33.95 million in 2016 from $36.95 million in 2015.AFG Home Loans, a belated catch up with own-label, self-funded (of a kind) home loan, is a division bound to draw more scrutiny.Profit from AFG Home Loans hit $6.6 million up from a $638,000 blob thee year before.Key metrics are on the up, with residential settlements of $33.8 billion up eight per cent on 2015. Commercial settlements of $2.8 billion were up 15 per cent on 2015.A thumping loan book is its income of the future, a residential loan book of $114.7 billion generating ongoing trail commission as does a commercial loan book of $5.7 billion.Australian Finance Group's income recognition policies deserve a glance in a financial year throwing off a profit of A$22.6 million, up 11 per cent on 2015.Over the year to June 2016 AFG's cash flow statements show A$441 million in cash received. The income statement has commissions and other income at $482 million. Other items build the operating income line for the year to June 2016 to $529 million. Much the same pattern featured the year before.