Trying to return value based on lookup in table

It seems Excel has a limit on IF statements within IF statements so I need help with a more elegant solution!

Here is my problem:

I am trying to do what I would view as a VLOOKUP however it is looking up multiple values One of those I am looking for in the row labels along the left of the table and the other value I am looking for in the column labels along the top of the table. I am looking to return the value in the table that meets these two values and multiply it by another cell.

Also the value I am looking up will not be precise i.e. 22.05 however the row labels will be 20, 22.5, 25.. etc.

Hopefully that makes sense!
Any help appreciated