The generation of third particles and change in viscosity lead to the gradual degradation of the performance of the machine interface. The generation of third particles may come from wear debris or environmental particles, which form a three-body contact system at the contact interface. The viscosity of the lubricant will also change with the long-term operation of the components. This paper uses a three-body lubrication model to study the influence and interaction of lubricant viscosity change and the presence of third particles on the contact characteristics, including the real contact area, the particle contact area ratio, the solid load percentage, the film thickness, and the evolution of the lubrication regime. The results show that when the interface is in a three-body mixed lubrication regime, the dimensionless total real contact area increases with the increase in particle size and density at the same lubricant viscosity, while the trend is the opposite in dry contact and boundary lubrication interfaces. When viscosity decreases, a three-body contact interface is more prone to entering boundary lubrication than a two-body contact interface, resulting in surface damage. Regardless of surface roughness, particle size, and dry or lubricated contact conditions, the turning point of the contact area (TPCA) phenomenon is usually when the ratio of particle size to surface roughness is 0.8–1.3. Under the same ratio of particle size to surface roughness, the critical load of the TPCA phenomenon increases with the increase in third-particle size and surface roughness, but decreases with the increase in lubricant viscosity and particle density.