Issue with swimming mechanics

So with 0 velocity in X and Y, swimming straight up along Z, even just a few units, makes you linger a few seconds before starting to sink, applying any force along X, Y or negative Z instantly corrects the gravity when lingering, why is this zero gravity moment happening and how can one correct it without having to apply force in any direction?

No tips at all?

set gravity while swimming or character mass. lots of settings under charactermovement, but need over rides when creating your game polish. Is your water a volume?