it is functional and informative but it is not visually appealing. also it is common practice to put the home link at the top of the page. some of the photos are out of focus.
to be more specific about the visual aspect, 1. using all serif fonts is hard on the eyes 2. use an online color scheme tool 3. read about font proportions to get a better look than using random font sizes 4. the lines of text are just a little too long for good readablity - shoot for less than 62 characters 5. i know it isn't a law or anything, but centered text is hard to make attractive 6. decrease the font size of everything but the most important message so that it will stand out - try using H1, H2, H3, and <p> (it's called using a hierarchy) 7. the text boxes on the "guarantee" and "information" pages need more space between the edges and the text (use margin and padding to fix) 8. when trying all the links sometimes an error shows up 9. google "web templates" to get ideas. cheers!