This applies to most yachts. Breaking up the battery banks is fine however what are you hoping to gain by having two house banks, as you have to charge them anyway, only good idea if splitting the switch panel and electronic and electrical loads. I would keep it simple by having one house bank and one engine bank (although not normal to have deep cycle on starting, when they finally fail put in start battery) but I would steer clear of using switches as they are so unreliable. Smart regulator charging all battery banks via either a diode isolator system or battery bank combiner such as Echo unit is better option. Alternator outputs via switches is common cause of alternator damage or destruction on many cruising yachts.
