Hi Luke,
Your right in that your website does look like its finished or polished. I would remove the lines in the background. It is distracting and really doesn’t add much. Try adding a mid/light tone grey color to make your content pop out.
Your header is not very dynamic. A weak bckgrd color with white makes it fade into the bkgrd. Try a bolder color or even a dark grey so your header Text pop out. Perhaps a white header with an outline and a color for the Text.
Your link rollovers are too light, you cannot see the text and adds to a weak experience.
Your photos are great. Let them be the star, just make the colors work in harmony.
