To add to this Helen, I seem to remember that there is a Fish Farm not too far away from Loch Garten with a hide and for a small charge you can view the Ospreys fishing.
The books will no doubt have details of this but since you mentioned that the Ospreys are the main reason for your visit, I thought I would point this out to you.
As Ian quite rightly says, those books mentioned are essential.
I stayed near Loch Garten a couple of years back and the recomended places to see the "Scottish specialities" are:-
Lochindorb - Black-Throated Diver/ Red Throated Diver.
Loch Garten - Osprey, Crested Tit, Crossbill sp, Capercaillie (5.00am start at the RSPB Caper-watch - see RSPB website for details)
Loch Ruthven - Slavonian Grebe in summer plumage, Red-Throated Diver.
Tulloch Moor (Near Loch Garten) - Black Grouse at early morning Lek.
Cairngorms - Ptarmigan
Findhorn Valley - Golden Eagle
There are lots of other areas to visit and the book will give you further information but hopefully this helps you for around the Loch Garten area to start off with.
I've booked a holiday to Delny near Inverness at the end of May and am hoping for some tips on where is good to go in this area? The ospreys at Loch Garten are a definite (and the main reason I'm going), but I've never been to Scotland before.
Would love to see eagles, crested tit, crossbills and all the divers if possible, but don't know what's around this area.