LETS TALK ABOUT SEX..

Hi so i’m 16, i’ve been with this guy since i was 13 and we are both so comfortable together, out of our friend group we are the only couple who haven’t had sex, we had done stuff but just haven’t went the full way. I know i wouldn’t want to lose my virginity to anyone else other than him, and i know he feels the same. There’s no pressure in our relationship but we both do want to have sex together, why haven’t we yet? Like i think that he thinks i wouldn’t really wanna do it and he’s so sweet and wouldn’t want to make me feel pressured but I DO WANNA DO IT but I don’t want to initiate it, i’m from the UK btw so it’s legal over here to have sex from 16. Can anyone give me advice x

plz no rude comments,simply just asking for advice xx