The Reserve Bank's cash-rate cuts in May and June appear to have given the mortgage market impetus. The latest Australian Bureau of Statistics housing finance figures, released yesterday, show a pick-up in activity in August and September.The number of dwelling commitments for owner-occupied housing increased 0.9 per cent in September, after increasing 1.2 per cent in August.The value of owner-occupied dwelling commitments increased 1.5 per cent in September, and the value of investment housing commitments increased 8.6 per cent.First-home buyers made up 19.3 per cent of the market - up from 18.6 per cent in August.The average size of a mortgage was $300,200.