Loosing my virginity but scared.

I’ve been with my boyfriend for 6 months offical. But 8 months in total. I’m 17 and he’s 18. And I’m on the pill because of health problems but it’s also contraceptive. I really want to have sex. But! I’m really scared. Mainly scared of getting pregnant and scared of my mother who has some mental issues and is very strict about me not having sex. My partner has had sex before and hasn’t pressured me at all for anything. We talk very openly about the entire thing. But I feel like my main issue is being scared of loosing it to him and then one day in the future breaking up, being crushed and regretting it. It’s a big deal for me, it’s something I really want to do. I know I’m not ready yet but when I am I’m just not sure what to do. Do I tell my mum who will flip out? So that if anything goes wrong it’s not a massive surprise. But it will be a massive drama and issue. And do I just give this a chance and free myself from like my worries. I’m really not sure what to do. Because I was going to wait till after hsc which is in like 8 months but I do want it sooner. Idk anyone have any advice? 🤞🏼💗