So, if the property has a second kitchen, in the english basement, or, possibly, a second meter, electrical or gas, then the property may be considered as a multi-unit. If so, the loan may be renegotiated. If not, it shouldn't be an issue. (Note, at one time, the basement in the kitchen was considered a plus; Now, not so much, at least for the lender.) If there is no C of O, and you don't want the loan to be considered a multi-unit, then for the appraisal, it might be necessary to remove the kitchen and/or fridge. Note, I am NOT advocating any fraudulent action, but if there is a kitchen, but you have no intention of using it as such, then you might want to talk to the seller about modifying it prior to the appraisal.
Does anybody else have any other ideas why a lender would be examining an English Basement?