Refraction issue

I am trying to create a simple water material but there seems to be some sort of issue where the refraction of the character model leaves a sort of hole in the surface render for all the parts above the water surface. I spent few hours trying to troubleshoot by adjusting different parameters and researching if someone has had the same issue but I can’t find any solution. The only post I found was this (https://www.reddit.com/r/unrealengine/comments/1egkxly/refraction_looks_weird/) on reddit and the few replies say it has to do with screen-based refraction vs ray-traced refraction and they suggest something with a post process volume but I can’t seem to figure out a solution. If I switch the viewport to path tracing than its fine but it doesn’t work in lit or unlit.

Issue finally solved by changing the refraction method from index of refraction to pixel normal offset.