realistic lighting

Ok here is a cheeky one. We have been creating 3d models for some time now for presentation to clients etc and use raytraced images with antialias. Although we are geting pretty good at these, we fall down every time on realistic lighting. The final image tends to be too bleached and always looks just like a 3d graphic rather than a building in a real world environment. I've attached an example image.

Does anyone have a set of settings that they regularly use as default lighting settings? (that's the cheeky bit)

We often have to have lighting levels set high just to get "white" materials to look white!

Any help gratefuly received!

Keith Cameron