Russel,
Unfortunately I cannot keep it plugged in full time, but I do visit the boat every few days, so it gets a couple of hours a week all winter.
Yes, the charger has 2 outputs. The starter battery is a red flash 35 amp battery. That is small for a 20Hp diesel but as the engine usually starts on the touch of the button it is OK. I also have a switch to link all 3 batteries in an emergency if needed.
I note the point about charger output & did think of this. When i noticed this voltage issue I flicked the switch to link all 3 batteries to see what happened. It made no difference to the charge rate or to the voltage reading so I turned the switch off again.I wondered if the increase in voltage was because the domestics were drawing some power off the starter battery. ie through a faulty voltage relay on the engine alternator charging side.
However, reading from Simon's link it seems that it is normal for voltage to rise at restive state. Something that I had not noticed before. At least not to such a large extent.
It was the large initial drop from 13.7 to 12.7 in less than 5 mins that had me worried & I still do not understand why so much