Not orgasming with my boyfriend

So my boyfriend and I have been together for a year now and we’ve been having sex for about 8 months. he’s the only guy i’ve ever let touch me anywhere and the effort is definitely there, i just can’t seem to get there. i know that i can because i do by myself, but when i’m with him i can’t. he’s gotten me close a few times but never past the finish line. i always say i’m not gonna fake it but then i feel guilty and fake it. i don’t know if it’s because i’m nervous someone will catch us (we’re both 17 and live with our parents so it’s kind of hard to not be nervous) or something’s just not clicking. i’ve asked about toys to introduce them in the bedroom and he thinks it’s a good idea but i’m not really sure what else to do. any tips?